The -aggregate.csv file includes a summary-level report of fees on all payments, refunds, and chargebacks across all boarded merchants within a given settlement period. This will be delivered every day that settlement has been made along with the other 7 describing that settlement period.

The naming convention is:

<merchant number>-<frequency>-<year>-<ongoing number>-<suffix>.csv

Example: 1-999-W-2016-07-aggregate.csv

The file will contain the following data:

EVENT_TYPE Descriptions:

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Note

See your PPRO contract for information about the applicability of each fee type. Reach out to your account manager for more details.

FX Footer Field

The currency quotation will be presented in the clearing statements / invoices and in the aggregate csv file as follows:

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Note

There will be multiple entries for FX_CONVERSION_RATE and FX_FEE_RATE in the aggregate file's footer in the event that there are multiple currency conversions in a single settlement. A sample of multiple forex entries is documented in the following sample file:

FX Aggregate Sample File

Example: calculating reserve

This sample helps calculate reserve with 50,000 EUR available based on a daily settlement cycle.

Holdback Information

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Important

Holdbacks will only appear for customers who have holdbacks configured as a part of their agreement with PPRO. Please reach out to your account manager for any uncertainty regarding holbacks and their applicability.

PPRO will provide enhanced detail into the holdbacks held and paid out to customers, by LPM, currency and value. A negative value implies an amount held back; a positive value implies a holdback amount that will be paid out on the SETTLEMENT_DATE noted in the aggregate file’s footer. The date in a RESERVED_HOLDBACK_SUMMARY record indicates the date at which the amount will be released, while that in a RELEASED_HOLDBACK_SUMMARY record recalls when the released amount was originally reserved.

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Note

The release date reported in the Reserved Holdback record is not the date that previously-held funds will be transferred to the partner, but instead indicates the day upon which the held funds will be reported as released in the aggregate settlement file, to be settled on the corresponding SETTLEMENT_DATE in that file

The holdback summary data will be present in the aggregate CSV file at the footer of the file.

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Note

There will be a line break preceding the holdback data’s printing in the file. The data below are represented in tabular form, rather than in raw comma-separate form, for readability purposes.

In the sample above, an SGD holdback for Alipay was released to be paid out on the SETTLEMENT_DATE, as was a EUR holdback for WeChatPay. Alipay also had USD and EUR amounts held back; WeChatPay had an amount also held back.

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Note

The footer holdback values are aggregate for all LPM and Currency pairings across all merchants.

Individual transactions can be identified in the holdback as follows (within the aggregate file):

Based on the Event Count for the Event Type as Transaction, one can look up the individual transactions in the volume-per-transaction file as shown in the table below:

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Important

When files are delivered in the SFTP, they will be zipped in a gzip format (*.gz). Please ensure that your system can extract gz files before processing.

Note on rounding of DISCOUNT_FEE amounts

Values in the AGGREGATE_AMOUNT column of DISCOUNT_FEE are calculated with a precision of 100th of the (minor) currency unit. E.g. for EUR, the precision is 100th of a cent - the 3rd and 4th digit after the comma. For the Japanese Yen the precision is 100th of a yen - the 1st and 2nd digit after the comma. Digits during calculation beyond the precision are discarded, effectively leading to rounding down.

Examples:

• The DISCOUNT_FEE of an aggregate with a total volume of 9.99 EUR and a DISCOUNT_FEE-Percentage of 1.111% is 0.1109. The calculation steps done are:
  • round_down(9.99 * 1.111%, 4)
  • round_down(0.1109889, 4)
  • 0.1109
• The DISCOUNT_FEE of an aggregate with a total volume of 999 YEN and a DISCOUNT_FEE-Percentage of 1.111% is 0.1109. The calculation steps done are
  • round_down(999 * 1.111%, 4)
  • round_down(11.09889, 4)
  • 11.09

Please note: Transactions are aggregated across various attributes including the payment method, event type, currency... Due to a lesser rounding issue when calculating the DISCOUNT_FEEbased on aggregated transaction volume, the totalDISCOUNT_FEEof all aggregates in the Aggregate file does not equal the total DISCOUNT_FEE of all transactions in the fee-per-*.csv files.