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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 / 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

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;

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;

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;

PBB Bali

Delimiters use pipes | or semicolons ;

Description	Format	Example
File Name	kodebank_PBBBALI_date(YYYYMMDD).txt	770935_PBBBALI_20141101.txt
Column	DATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS),NOMOR, KODEBILLER, KODE CA, AMOUNT, NOREFF, ADD INFO	20141101; 10:24:58; 510809001900900880; 050101; 770935; 10000; 143130; PUTRIW;

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\|

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 ; ; ;

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 ; ; ;