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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

  • 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

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

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

BPJS Kesehatan

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt700_BPJSKS_20170710.txt
ColumnTGL SETTLE (YYYYMMDD), DATE TRX(YYYYMMDD HH:MM:SS) NO_REFF, NO VIRTUAL BPJSKS, NAMA PELANGGAN, KODE CABANG BPJS, AMOUNT, JUMLAH ANGGOTA VA, KODE_CA20170710|20170710 13:54:17|E9549921B564808B|0000890003860007|KIOS INAN JAYA|2601|175835|1|132|

BPJS Ketenagakerjaan BPU

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt770935_080015_20151104.txt
ColumnNo REFF; Nomor ID; Kode Iuran; Kode Program; DateTime Trx; Total Amount; Nama Customer; KodeCa; amount JHT; amount JKK; amount JKM; periode tagihan190731447922;147109034960021;519074394133;JHT1257517029574#JKK1257517029574#JKM1257517029574#JPN1257517029574;02-03-2021 15:30:55; 13500;ASRA AFRIZON; 770935; 0; 8000; 5500;1

BPJS Ketenagakerjaan PU

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_trxdate(YYYYMMDD).txt129_080014_20211201.txt
Columnkode_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;129;01-12-2020; 01-12-2020 02:00:00; 6011; ATM607975129142208; 210100000790; HAPOSAN GROUP;JHT1257517029574#JKK1257517029574#JKM1257517029574#JPK1257517029574#JPN1257517029574;1010000; 1020000; 1030000; 1050000; 1040000; 21000049; 5150000; 080014;

BYU

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt700_018002_20230125.txt
ColumnDATE TRX (YYYYMMDD), NOHP, PRODUCT_ID, AMOUNT, TRAX_ID, KODE PRODUK, KODE CA20230125;085158000034;50810;15000;1231341313;018002;700;

Garuda Airlines

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeProduk_kodeCA_date(YYYYMMDD).txt030001_770_20141005.txt
ColumnDATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS), NOMOR, KODEBAYAR, KODE CA, CHANNEL CODE, KODE PRODUK, AMOUNT, NAMACUST, NOREFF20141022; 12:07:47; 5799459423796; JPCKHY; 770; 6014; 030001; 2225954; LINA AFINA ;106042

Iconnet

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File Namekodeproduk_kodeca_date(YYYYMMDD).txt090003_770770_20221205.txt
Columntrx_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 ;

DescriptionFormatExample
File NameKodeproduk_Kodeca_Date(YYYYMMDD)100101_500109_20230414
Columntrx_date,trx_time,billName,billPeriode,billUnitCode,billType,transaction_idbill_number,id_number,amount,billercode,cacode,subcacode20230414|12:07:47|KING TIE|202303|R01|01|00077077092405082023152451614388|921800017159|202304000000|2458000|100101|500109|770953

Mega Finance

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File Namekodeca_kode_produk_date(YYYYMMDD).txt626_020026_20211021.txt
ColumnDATE TRX (YYYYMMDD),TIME TRX (HH24:MI:SS),IDPEL, AMOUNT, FEEAMOUNT, REFERENCE_NUM, KODE PRODUK,KODE CA,KODE SUBCA20211028;12:01:02;4324321734538432;50000;2500;122425638903245;020026;770;770;

PBB Bali

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File Namekodebank_PBBBALI_date(YYYYMMDD).txt770935_PBBBALI_20141101.txt
ColumnDATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS),NOMOR, KODEBILLER, KODE CA, AMOUNT, NOREFF, ADD INFO20141101; 10:24:58; 510809001900900880; 050101; 770935; 10000; 143130; PUTRIW;

Signal Samsat

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File Name[kodeBANK/CA]_[kodeproduk]_[YYYYMMDD].txt123_050012_20170710.txt
ColumnDATE TRX (YYYYMMDD)|TIME (HHMMSS)|KODE BAYAR|NIK|AMOUNT|TRANSACTION ID|KODE SAMSAT|DELIVERY FEE|20170710| 100545| 012345678912345678| 1111223456789899| 1500000| 5555555556777| 03| 20000|

Telkom / Indihome

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt770_001001_20141028.txt
ColumnDATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 320141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;

Topup DANA

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt770_001001_20141028.txt
ColumnDATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 320141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;

Topup OVO

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt770_001001_20141028.txt
ColumnDATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 320141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;

Topup ShopeePay

Delimiters use pipes | or semicolons ;

DescriptionFormatExample
File NamekodeCA_kodeProduk_date(YYYYMMDD).txt770_001001_20141028.txt
ColumnDATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 320141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;