Reconciliation
Reconciliation is a service from Finnet to ensure the number of transactions and the number of bills on the Biller side and CA side are the same. So that the difference between the data between Biller and CA can be minimized. Reports issued and settlement bills are based on the results of the Biller data record and CA data. The online record and settlement process is carried out centrally at Finnet, where all Biller and Bank / CA data are collected and processed by Finnet.
Finpay Billing Reconciliation Mechanism
- 04.00 - 06.00 : Channel send data to FTP Finnet Server
- 6:30 a.m. to 9:30 : Reconciliation process
- 9:30: Channel receive reconciliation reports
- 10:00: Channel settles transactions that matched between Billers and Channels, by transferring funds to Finnet's Bank Settlement / RTGS account
- 11:30: CA sends adjustment information for different data (unsettled)
- 12:00: Finnet receives adjustment and processes claims from CA
Biller BPJS Kesehatan / Denda
- Transaction day 12.00 - 12.05: Channel sends D-1 transaction data at 12.00 to the transactions day at 11.59 to FTP Server Finnet. The date on the file corresponds to the D-day of sending the recon file. Example: Transactions on July 23 at 09.00 will be entered in the account file on July 23, while transactions at 13.00 will be entered in the account file on July 24.
Biller BPJS Ketenagakerjaan PU / BPU
- Transaction day 15.00 - 15.05: Channel sends D-1 transaction data at 15.00 to the transactions day at 14.59 to FTP Server Finnet. The date on the file corresponds to the D-day of sending the recon file. Example: Transactions on July 23 at 09.00 will be entered in the account file on July 23, while transactions at 16.00 will be entered in the account file on July 24.
Topup (DANA, OVO, Gopay, ShopeePay)
- Recon data format for transaction data from channels that will be sent to FTP Finnet on D+1
Reconciliation Format
Adira Roda Dua
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_namaProduk_date(YYYYMMDD).txt | 770626_ADIRA_20240916.txt |
| Column | DATE_TRX(YYYY-MM-DD), BILLTIME(hh:mi:ss), NO_KONTRAK, KODE_SUBCA, NAMA_CA, AMOUNT, FEE, NAMA_KONTRAK,TGL_TRX(YYYYMMDDHHmiss) | 2024-09-16|06:04:01|045528112962|770626|linkaja|809000|4000|FIKA FITRIYANI|20240916060401 |
Astra Credit Company (ACC) Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020038_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
BPJS Kesehatan
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 500646_BPJSKS_20240414.txt |
| Column | TGL SETTLE (YYYYMMDD), DATE TRX(YYYYMMDD HH:MM:SS) NO_REFF, NO VIRTUAL BPJSKS, NAMA PELANGGAN, KODE CABANG BPJS, AMOUNT, JUMLAH ANGGOTA VA, KODE_CA | 20240414|20240413 12:11:21|B9031C2EB59E4T6V|8888800016112115|SUPRAPTO|1012|140000|4|770934 |
BPJS Kesehatan Denda
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeca_BPJSKSDenda_yyyymmdd.txt | 770123_BPJSKSDenda_20161008.txt |
| Column | TGL SETTLE|DATE TRX(YYYYMMDD HH24:MI:SS)|KODE TRX|NO VIRTUAL BPJSKS|NAMA PELANGGAN|KODE ASAL PREMI|AMOUNT|JUMLAH TAGIHAN|KODE CA | 20161008|20161008 10:00:01|93515095871|8888800068542683|YULI RUKHAYATI|33959656|595000|1|770123 |
BPJS Ketenagakerjaan BPU
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 500653_080015_20240625.txt |
| Column | No REFF; Nomor ID; Kode Iuran; Kode Program; DateTime Trx; Total Amount; Nama Customer; KodeCa; amount JHT; amount JKK; amount JKM; periode tagihan | DTPb13f640b29894a2dbc2a;3402260509880002;924079665450;JKK150910920#JKM150910920#JHT150910920;25-06-2024 09:46:22;36800;IDA MARYANI;500653;20000;10000;6800;1 |
BPJS Ketenagakerjaan PU
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxdate(YYYYMMDD).txt | 500304_080014_20240419.txt |
| Column | kode_CA;bill_date;tgl_trx (dd-MM-YYYY hh:mm:ss);ca_channel;reqId;kode_iuran;namaPerusahaan;kodeProgram (JHTkodeRef#JKKkodeRef#JKMkodeRef#JPKkodeRef#JPNkodeRef);iuranJHT;iuranJKK;iuranJKM;iuranJPK;iuranJPN;npp;totalIuran;kodeBiller; | 500304;19-04-2024;19-04-2024 12:52:02;6018;DTP69771550030414811;240420639649;DESTI WAHYUNI;JKK697354500304#JKM697354500304;0;9599;12001;0;0;23220557;21600;080014; |
Bussan Auto Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020027_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
BYU
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 700_018002_20230125.txt |
| Column | DATE TRX (YYYYMMDD), NOHP, PRODUCT_ID, AMOUNT, TRAX_ID, KODE PRODUK, KODE CA | 20230125;085158000034;50810;15000;1231341313;018002;700; |
CIMB Niaga Auto Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020036_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Clipan Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020039_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Garuda Airlines
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeProduk_kodeCA_date(YYYYMMDD).txt | 030001_770_20141005.txt |
| Column | DATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS), NOMOR, KODEBAYAR, KODE CA, CHANNEL CODE, KODE PRODUK, AMOUNT, NAMACUST, NOREFF | 20141022; 12:07:47; 5799459423796; JPCKHY; 770; 6014; 030001; 2225954; LINA AFINA ;106042 |
Iconnet
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeproduk_kodeca_date(YYYYMMDD).txt | 090003_770770_20221205.txt |
| Column | trx_date_time DateTime (yyyyMMddhh24:mi:ss)(M);bill_number(M);id_number(M);amount Number(M);billercode Number(M);cacode(M);subcacode(M);merchant_id(O);merchant_name(O);produk(O);add_info1(M);add_info2(O);add_info3(O);add_info4(O);add_info5(O); | 2018030710:05:45;01120997;01004395435;50000;090003;770;770123;;;;Setiawan;;;;; |
Jaya Real Property
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | Kodeproduk_Kodeca_Date(YYYYMMDD) | 100101_500109_20230414 |
| Column | trx_date,trx_time,billName,billPeriode,billUnitCode,billType,transaction_idbill_number,id_number,amount,billercode,cacode,subcacode | 20230414|12:07:47|KING TIE|202303|R01|01|00077077092405082023152451614388|921800017159|202304000000|2458000|100101|500109|770953 |
Mega Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeca_kode_produk_date(YYYYMMDD).txt | 626_020026_20211021.txt |
| Column | DATE TRX (YYYYMMDD),TIME TRX (HH24:MI:SS),IDPEL, AMOUNT, FEEAMOUNT, REFERENCE_NUM, KODE PRODUK,KODE CA,KODE SUBCA | 20211028;12:01:02;4324321734538432;50000;2500;122425638903245;020026;770;770; |
Mitra Pinastika Mustika Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020035_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
PDAM Surabaya
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeBiller_trxDate(YYYYMMDD).txt | 999_503000_20211111.txt |
| Column | kodeCA|kodeBiller|trxDate(YYYYMMDD)|kodePDAM|customerId|customerName|biayaAdmin|nominal|amount| | 999|503000|20211111|503084|137357|LINDA FATMAWATI|5000|105000|110000| |
PDAM Non Surabaya
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeBiller_trxDate(YYYYMMDD).txt | 999_503000_20211111.txt |
| Column | kodeCA|kodeBiller|trxDate(YYYYMMDD)|kodePDAM|customerId|customerName|biayaAdmin|nominal|amount| | 999|503000|20211111|503112|137357|LINDA FATMAWATI|5000|105000|110000| |
Signal Samsat
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | [kodeBANK/CA]_[kodeproduk]_[YYYYMMDD].txt | 123_050012_20170710.txt |
| Column | DATE TRX (YYYYMMDD)|TIME (HHMMSS)|KODE BAYAR|NIK|AMOUNT|TRANSACTION ID|KODE SAMSAT|DELIVERY FEE| | 20170710| 100545| 012345678912345678| 1111223456789899| 1500000| 5555555556777| 03| 20000| |
Smart Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020030_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Telkom / Indihome
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 770_001001_20141028.txt |
| Column | DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3 | 20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ; |
Top Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020031_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Topup DANA
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 770_001001_20141028.txt |
| Column | DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3 | 20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ; |
Topup OVO
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 770_001001_20141028.txt |
| Column | DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3 | 20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ; |
Topup ShopeePay
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_date(YYYYMMDD).txt | 770_001001_20141028.txt |
| Column | DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3 | 20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ; |
Toyota Astra Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020037_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Wahana Ottomitra Multiartha
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020028_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |
Woka Finance
Delimiters use pipes | or semicolons ;
| Description | Format | Example |
|---|---|---|
| File Name | kodeCA_kodeProduk_trxDate(YYYYMMDD).txt | 123_020029_20241208.txt |
| Column | trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48 | 2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success |