Original Credit Transaction Reports for Acquirers
This content is available for merchants only.
This reference applies to Reporting.
These reports are designed for acquirers — entities that process and settle Original Credit Transactions on behalf of cardholders — and require acquirer-level Business Center access.
An Original Credit Transaction (OCT) is a financial transaction that delivers funds directly to a recipient's eligible account. Unlike a purchase transaction, which debits a cardholder's account, an OCT credits the cardholder's account.
The funds flow in a different direction than in a typical card transaction. A full financial bank identification number (BIN) is required and the liability to pay lies with the acquirer. After the issuer accepts the transaction, the transaction completes and the acquirer settles the funds in the next settlement window. The acquirer cannot originate reversals or chargebacks.
Original Credit Transactions can be used for a variety of services:
- Credit Card Bill Payments
- Funds Disbursements
- Loyalty and Offers
- Merchant Settlements
- Money Transfers
- Prepaid Loads
- Wallet Transfers
For instructions on creating report subscriptions and generating these reports, see Manage Downloadable Reports.
| Report Name | Description |
|---|---|
| Acquirer Detail Report | Provides a detailed listing of all OCT transactions. |
| Acquirer Exception Detail Report | Provides exception transactions for one processing day. |
| Acquirer Chargeback Detail Report | Provides chargebacks and chargeback reversal transactions received by the acquirer during the processing day. |
| Acquirer Reconciliation Summary Report | Provides a summary of total OCT transactions and total amount processed. |
These sections contain details for which fields are available in each report. For more information about specific fields, including descriptions, field type and length, see Report Fields and Descriptions.
Acquirer Detail Report
Additional Information Fields
- CardAcceptorID
- CardAcceptorName
- CardAcceptorTerminalID
- ForwardingInstitutionID
- IssuerAffiliateBIN
- MerchantType
- RecurringPaymentIndicatorFlag
Fee Fields
- ReimbursementFee
- ReimbursementFeeDebitCreditIndicator
- SettlementServiceIndicator
- TransactionIntegrityFee
- TransactionIntegrityFeeDebitCreditIndicator
Settlement Fields
- CardholderBillingAmount
- CardholderBillingCurrencyCode
- OctSettlementAmount
- OctSettlementCurrencyCode
- RateTableDate
Transaction Details Fields
- AcquirerBusinessID
- AcquiringInstitutionID
- AffiliateBIN
- AuthorizationIDRespCode
- BatchNumber
- BusinessApplicationIdentifier
- CardNumber
- CurrencyCodeForTransactionAmount
- DCCIndicator
- DataRecipient
- DestinationStationID
- DowngradeReasonCode
- FundsTransferSRE
- IssuerAcquirerIndicator
- MVVCode
- MerchantID
- MessageReasonCode
- NetworkID
- OnlineSettlementDate
- PaymentMethodDescription
- PaymentMethodType
- ProcessingCode
- ProcessorID
- ProductID
- ProductSubtype
- RequestID
- RequestMessageType
- ResponseCode
- RetrievalReferenceNumber
- SettlementRptEntity
- STIPReasonCode
- SettlementDate
- SourceMerchantID
- SourceOfFunds
- SourceStationID
- TraceNumber
- TransactionAmount
- TransactionIdentifier
- VssProcessingDate
Acquirer Exception Detail Report
Exception Detail: Additional Information Fields
- CardAcceptorID
- CardAcceptorName
- CardAcceptorTerminalID
- ForwardingInstitutionID
- IssuerAffiliateBIN
- MerchantType
- RecurringPaymentIndicatorFlag
Exception Detail: Fee Fields
- ReimbursementFee
- ReimbursementFeeDebitCreditIndicator
- SettlementServiceIndicator
- TransactionIntegrityFee
- TransactionIntegrityFeeDebitCreditIndicator
Exception Detail: Settlement Fields
- AcquirerBusinessID
- AcquiringInstitutionID
- AffiliateBIN
- AuthorizationIDRespCode
- BatchNumber
- BusinessApplicationIdentifier
- CardNumber
- CurrencyCodeForTransactionAmount
- DCCIndicator
- DataRecipient
- DestinationStationID
- DowngradeReasonCode
- FundsTransferSRE
- IssuerAcquirerIndicator
- MVVCode
- MerchantID
- MessageReasonCode
- NetworkID
- OnlineSettlementDate
- PaymentMethodDescription
- PaymentMethodType
- ProcessingCode
- ProcessorID
- ProductID
- ProductSubtype
- RequestID
- RequestMessageType
- ResponseCode
- RetrievalReferenceNumber
- SettlementRptEntity
- STIPReasonCode
- SettlementDate
- SourceMerchantID
- SourceOfFunds
- SourceStationID
- TraceNumber
- TransactionAmount
- TransactionIdentifier
- VssProcessingDate
Acquirer Chargeback Detail Report
Chargeback Fields
- ChargebackReferenceNumber
- ClientCaseNumber
- DisputeCondition
- DisputeStatus
- DocumentationIndicator
- MessageText
- MessageType
- TransmissionDate
- UsageCode
- VROLBundledCaseNumber
- VROLCaseNumber
- VROLFinancialID
Chargeback Detail: Transaction Details Fields
- AcquirerBusinessID
- AcquiringInstitutionID
- CurrencyCodeForTransactionAmount
- MerchantID
- PaymentMethodDescription
- PaymentMethodType
- RequestID
- SettlementDate
- SourceMerchantID
- TraceNumber
- TransactionAmount
Acquirer Reconciliation Summary Report
OCT Summary Fields
- AccountID
- CardAcceptorID
- MerchantID
- ResellerID
- SettlementAmountCurrency
- SettlementDate
- TotalAmountProcessed
- TotalAmountSettled
- TotalFee
- TotalTransactionsProcessed
- TotalTransactionsSettled
- TransactionAmountCurrency
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Last published: September 29, 2026