Report field reference - DCS Technical Documentation

📄 Guide

Whether you run end-of-day reconciliation, verify user limits, or load every movement of funds on a card into a data warehouse, the settlement files DCS generates each day give you an authoritative source. As a licensed issuer with its own BINs, DCS generates two full files per partner every day, the authorization report and the transaction report, and stores them in AWS S3 for you to fetch a download link by date. This page explains what every column in those two files means. Once you know the fields, you can turn any single line back into a plain statement of who spent how much at which merchant, whether it was approved or declined, and whether the money has actually moved.

When each report is available and what it contains

Item	Description
Frequency	Once a day, generated in full (not incrementally)
Timing	By default the previous day’s file is generated on T+1; the exact run time is set on the scheduling platform
File types	`authorisation` (authorization report) and `transaction` (transaction report), one of each per Enterprise
How to retrieve	Call `GET /open-api/enterprise/v1/settlement-file-url` with `fileType` + `fileDate` (`yyyyMMdd`); it returns a download link valid for a fixed 120 seconds, and you can request a new one after it expires

The two files do different jobs: the authorization report holds every authorization decision, including the declined ones (approveFlag = D), and is what you use to verify authorization outcomes and the release of holds; the transaction report is the authoritative record of money actually debited or credited. The two are joined through outsId (the outstanding ID) and authIds. See Transaction lifecycle.

File format

Both files are plain text with >-delimited fields, one record per line (not standard CSV). Column order is fixed and matches the tables below from top to bottom. An empty field appears as two consecutive delimiters.

Amounts: high-precision decimals (such as 0.100000000000000000), not integers in minor units.
Timestamps: format yyyy-MM-dd'T'HH:mm:ss+08:00, time zone UTC+8.
Card number (pan): only the first six and last four digits, masked in the middle so it is safe to store.

Authorization report fields (fileType = �13�)

Column order matches the file.

Column	Field	Description
1	`authId`	Unique authorization ID. Used to link to transaction flow, outstanding records and other downstream records
2	`direction`	Transaction direction: `OUTGOING` (funds out, a purchase hold) / `INCOMING` (funds in, a refund release)
3	`authType`	Authorization type: `NORMAL` / `FORCE_AUTH` / `EXPIRED_RELEASE` / `STATUS_DIFF_RELEASE`; see “Authorization type” below
4	`outsId`	Outstanding ID. Links to the corresponding outstanding record and is the bridge between authorization and clearing
5	`originalAuthId`	Original related authorization ID. Used to trace back in linked scenarios such as multiple refunds and incremental authorizations
6	`enterpriseId`	Enterprise ID. Identifies the partner that initiated the authorization
7	`customerId`	User ID. Identifies the cardholder the authorization belongs to
8	`cardId`	Card ID. The card the transaction took place on
9	`pan`	Card number, first six and last four digits only
10	`approveFlag`	Authorization outcome: `A` = approved / `D` = declined
11	`rejectReason`	Decline reason. Present only when `approveFlag = D`
12	`approveDate`	Processing time, `yyyy-MM-dd'T'HH:mm:ss+08:00`
13	`currency`	Settlement currency, ISO 3-digit currency code (numeric, such as `702`)
14	`amount`	Settlement amount (high-precision decimal)
15	`acquirerCurrency`	Requested currency. May differ from the settlement currency
16	`acquirerAmount`	Requested amount, in the requested currency
17	`cardAcceptorIdentification`	Merchant ID
18	`cardAcceptorNameLocation`	Merchant details, name and address
19	`transactionType`	Authorization transaction type: `R` = card purchase / `C` = ATM withdrawal / `Q` = inquiry / `P` = return or refund; see “Authorization transaction type” below
20	`merchantType`	Merchant type (MCC), four digits
21	`createTime`	When the authorization record was created; format as above
22	`modifyTime`	When the authorization record was last modified; format as above
23	`merchantCountryCode`	Merchant country code, three digits

Authorization type (`authType`)

Value	Name	Description
`NORMAL`	Normal authorization	The standard record produced by a real-time authorization callback from the channel; covers every real-time scenario, including purchases, incremental authorizations, reversals, refunds, cash withdrawals and inquiries
`FORCE_AUTH`	Forced authorization	An authorization record the system creates by itself: clearing arrived with no matching authorization (an offline transaction, for example), or the cleared amount differs from the held amount and the difference must be booked
`EXPIRED_RELEASE`	Expiry release	The authorization was never settled in time, and the channel uses the settlement file to instruct the release of the funds on hold
`STATUS_DIFF_RELEASE`	Status mismatch release	A reconciliation correction for the case where the channel declined the authorization on timeout but the DCS side had approved it

Authorization transaction type (`transactionType`)

Value	Name	Description
`R`	Card purchase	All card purchase transactions
`C`	ATM withdrawal	ATM withdrawals and other cash advance transactions
`Q`	Inquiry	Inquiry transactions, with no movement of funds
`P`	Return or refund	Transfers or refunds credited back to the card

Transaction report fields (fileType = �62�)

Column order matches the file.

Column	Field	Description
1	`transactionId`	Unique transaction ID. The unique number for each movement of funds
2	`direction`	Transaction direction: `OUTGOING` (funds out) / `INCOMING` (funds in)
3	`outsId`	Outstanding ID. Links to the corresponding outstanding record
4	`authIds`	Related authorization IDs. Multiple authorizations are separated by commas, for example `1111,2222`
5	`enterpriseId`	Enterprise ID. Identifies the partner the fund movement belongs to
6	`customerId`	User ID. Identifies the cardholder the transaction belongs to
7	`cardId`	Card ID
8	`pan`	Card number, first six and last four digits only
9	`category`	Transaction category: `RETAIL` / `CASH` / `CASH_FEES` / `PAYMENT` and others; see “Transaction category” below
10	`currency`	Settlement currency, ISO 3-digit currency code
11	`amount`	Settlement amount (high-precision decimal)
12	`acquirerCurrency`	Requested currency
13	`acquirerAmount`	Requested amount
14	`cardAcceptorIdentification`	Merchant ID
15	`cardAcceptorNameLocation`	Merchant details, name and address
16	`multiClearInd`	Clearing indicator: `O` = ordinary single clearing / `P` = multi-part clearing, not the final part / `F` = multi-part clearing complete
17	`merchantType`	Merchant type (MCC), four digits
18	`createTime`	When the transaction record was created; format as above
19	`modifyTime`	When the transaction record was last modified; format as above
20	`merchantCountryCode`	Merchant country code, three digits
21	`originalTransactionId`	Original transaction ID. For a refund-type record, the `transactionId` of the original transaction being refunded; empty for non-refund records

Transaction category (`category`)

Value	Name	Description
`RETAIL`	Ordinary purchase	A standard card purchase transaction
`RETAIL_FEES`	Purchase fee	Includes DCC fees, credit adjustments, annual card fees, replacement and reissue fees and similar
`CASH`	Ordinary cash withdrawal	ATM withdrawals and other cash transactions
`CASH_FEES`	Cash withdrawal fee	Includes cash withdrawal handling fees and similar
`PAYMENT`	Return or refund	Returns, refunds and other incoming transactions
`CHARGEBACK`	Dispute chargeback	A chargeback arising from a dispute raised by the cardholder

Treat the transaction report as the authority on money: what a user was actually charged or refunded comes from the transaction report (transaction). The authorization report (authorisation) includes declined records and serves to verify authorization outcomes and the release of holds; never use it directly as evidence of a charge.
Joining across files: the same piece of business lines up across the two files through outsId, and a single transaction line can be traced back through authIds to one or more authorizations (for multi-part clearing, look at multiClearInd = P/F).
Parse amounts as high-precision decimals: parse as high-precision decimals rather than integers in minor units before storing, so you do not lose precision.
Currencies are numeric codes: currency and its siblings are ISO 4217 numeric codes (840 = USD, 702 = SGD), so map by numeric code on load.

Next steps

Not sure which clearing stage a record belongs to? Go back to Transaction lifecycle and place the record on the authorization-to-clearing timeline.
Want to know how to fetch a file download link by date? See Reconciliation overview.

​📄 Guide

​When each report is available and what it contains

​File format

​Authorization report fields (fileType = �13�)

​Authorization type (authType)

​Authorization transaction type (transactionType)

​Transaction report fields (fileType = �62�)

​Transaction category (category)

​Points to watch when loading the files

​Next steps