1.1 Introduction

A balance report contains details of card balances on the system in the past 24 hours. This guide explains about how the Balance XML Report works including descriptions of the schema. Thredd sends UTC reports of card balances according to preset UTC (Coordinated Universal Time) times in the past 24 hours, rather than at any time that you require. You can use the Balance report to confirm how much money is on a card according to Thredd systems (where Thredd maintain the balance), allowing you to compare the information you hold in your local card database.

Balance reports use Thredd's XML reporting system, which employs the Secure File Transfer Protocol (sFTP). In the reporting system, Thredd processes incoming requests from the Card Schemes (payment networks) using its real-time authorisation engine.

Figure 1: XML Reporting

There is a new version of balance reports that allows you to receive reports at any point you require. For more details, refer to the New Balance XML Reporting Guide.

1.1.1 Balance Report Details

Clients in the following EHI modes use these reports where Thredd maintains details of card balances. These include:

• Cooperative Processing (mode 2) 

• Full Service Processing (mode 3)

• Gateway Processing with STIP (mode 4)

You can also use reports for balances where EHI is not being used.

To deliver flexibility on when to run reports, the Balance XML report can provide details of the balance on each card as at midnight UK time1 Local UK time, which is either Greenwich Mean Time (GMT) or British Summer Time (BST); For details, see: https://www.gov.uk/when-do-the-clocks-change. or at a specific time when the XML is run.

1.1.2 Other Types of Reports

In addition to reports for balances, Thredd provides these other types of reports:

• Transaction XML Report: — provides details of authorisation and financial advices and other non-scheme transactions that take place. Non-scheme transactions include card loads/unloads, balance adjustments through web services, cardholder fees generated by Thredd (that you have set up in your fee groups) and network scheme fees. You can use this report to reconcile against Mastercard or Visa settlement advices and reconcile it with data received from EHI. For more information, see the Transaction XML Reporting Guide.

• Fee Collection Report: — gives a summary of Scheme (VISA/Mastercard) Fees by ICA The Interbank Card Association Number (ICA) is a five-digit number assigned by MasterCard to a financial institution, third-party processor or other member to identify the member in the transaction. and currency. You can use this report to reconcile against Mastercard/Visa Settlement summary reports. The Fee Collection Report includes transaction categories such as Interregional non-financial ATM transaction fees, fees for ATM PIN management and ATM Balance Inquiry fees. For more information, contact your Thredd Implementation Manager or Account Manager.

• Quarterly Scheme Report: — contains information to complete your scheme regulatory reporting for Mastercard's Quarterly Management Reports and Visa's Global Operating Certificates. Thredd provides this report to Issuers and Self-Issuers. Sent on a quarterly basis, this report includes details such as the number of live cards, cards issued, and information on card activity and status. For more information, contact your Implementation Manager or Account Manager.