Reconciliation Report - IPP

This document provides the complete field reference for the IPP (Installment Payment Plan) Reconciliation Report (version 2.4). This report contains transaction-level data for all installment payment transactions.

📘
Report Scope
IPP transactions include:

Credit card installment payments

Monthly payment breakdowns with interest rates

Bank promotion programs

IPP refunds and adjustments

Excludes: Full payment (Non-IPP) transactions - see Non-IPP Reconciliation Report for field definitions specific to full-payment transactions.

Header Record Example

2C2P2025082501,5,H,test,0,12/8/25,test,25/8/25,0,00/00/00,0,702702000000000,0,0,0,0,0,2588.82,0,3,3.89,0.27,,,,,,,0.12,2584.78,0,SGD,0,0,0,,,,,,,208.33,,,,0,0,0,,,,,,,,,,,,,,,,,,,,,,,,,,,0,0,,,

Detail Record Example (IPP - 12 months)

2C2P2025082501,1,D,test,0,12/8/25,test,11/8/25,70151,11/8/25,0,702702000000000,QEQWEWQ,,006,IPP,,2000,0,0,0,0,2C2P-250811-0014,12/8/25,3.89,0.27,4.16,,0,2000,0,SGD,798995,5,411111XXXXXX1111,,,,,,0,166.66667,M,12,0,0,0,0,,,,USA,VI,12629646,2C2P SG Test B,,test,Payment for QEQWEWQ,,0,,2000,SGD,0,0,,,,,,,,,9317822,0,0,DEBIT,CLASSIC,

Detail Record Example (Credit Card Payment)

2C2P2025082501,2,D,test,0,12/8/25,test,11/8/25,81458,11/8/25,0,702702000000000,RRRTS0001,,001,CC,,88.8,0,1,1.89,0.13,2C2P-250811-0014,12/8/25,3.89,0.27,4.16,,0.06,86.84,0,SGD,286981,5,411111XXXXXX1111,,,,,,1,,,,,,,,,,,USA,VI,12630129,2C2P SG Test B,,lulu,testing-RRRTS,,0,,88.8,SGD,0,0,,,,,,,,,9318142,0,0,CREDIT,STANDARD,

Data Parameters

Total Columns: 85 (v2.4) | 84 (v2.3) | 82 (v2.0-v2.2) | 79 (v1.8-v1.9)

Column Numbering

Column numbers are for reference only. The actual CSV file does not include column numbers - fields are comma-separated in the order shown above.

Column	Parameter Name	Data Type	Mandatory	Description
1	BATCH_NO	AN 20	M	Batch number format: `2C2P+YYMMDD+NN` Example: `2C2P2025082501`
2	LINE_NO	N 5	M	Line number: `H` = Total lines (header), `D` = Detail line number
3	TYPE_TABLE	AN 1	M	Record type: `H` = Header, `D` = Detail
4	BANK_CODE	AN 25	M	Merchant bank SWIFT code
5	ACCOUNT_NO	AN 25	M	Merchant bank account number
6	PAYIN_DATE	AN 10	M	Pay-in date (settlement date) Format: `DD/MM/YYYY`
7	VAT_NO	AN 25	M	Merchant tax registration number Example: `0107536000633`
8	TRANSACTION_DATE	AN 10	M	Transaction date Format: `DD/MM/YYYY`
9	TRANSACTION_TIME	AN 6	M	Transaction time Format: `HHMMSS`
10	SETTLEMENT_DATE	AN 10	M	Settlement date Format: `DD/MM/YYYY`
11	SETTLEMENT_TIME	AN 6	M	Settlement time Format: `HHMMSS`
12	MERCHANT_ID	AN 15	M	Merchant ID assigned by 2C2P
13	ORDERID_INVOICENO / ORDER_ID	AN 20	M	Unique merchant order number Example: `00000000010000091203` Note: The same order number may appear for different payment methods Applicable only to HSBC Reconcile Report
14	MERCHANT_INVOICE_NO / INVOICE_NO	AN 50	M	Merchant invoice number Applicable only to HSBC Reconcile Report
15	ORDER_DATE	AN 10	M	Customer order date Format: `DD/MM/YYYY` Applicable only to HSBC Reconcile Report
16	ORDER_TIME	AN 6	M	Customer order time Format: `HHMMSS` Applicable only to HSBC Reconcile Report
17	PAYMENT_DATE	AN 10	M	Customer pay date Format: `DD/MM/YYYY` Applicable only to HSBC Reconcile Report
18	PAYMENT_TIME	AN 6	M	Customer pay time Format: `HHMMSS` Applicable only to HSBC Reconcile Report
19	PAYMENT_TYPE	AN 3	M	Payment type code: `001` = Credit/Debit Cards & Wallets `002` = Cash payment channels `003` = Direct debit `004` = Others `005` = Refund `006` = Installment Payment (IPP) `007` = Loyalty Payment `008` = Chargeback `010` = Other Charges `011` = Authorize Charges `012` = Void Charges `013` = Sale/Capture Interchange Charges `014` = Refund Interchange Charges `015` = Chargeback Interchange Charges `016` = Loyalty Refund (v2.4+)
20	PAYMENT_CHANNEL / CHANNEL_CODE	AN 30	M	Payment channel code See Payment Channel Matrix Examples: `IPP` (Installment), `CC` (Credit Card) In version 2.3 onwards, `PAYMENT_CHANNEL` is renamed to `CHANNEL_CODE`
21	AGENT_CODE / PAYMENT_AGENT_SERVICE	AN 30	M	Payment agent/acquirer name Example: `CONOTOXIA SP Z OO`, `FIRST DATA CORPORATIONS` IPP transactions may be blank In version 2.3 onwards, `PAYMENT_AGENT_SERVICE` is renamed to `AGENT_CODE`
22	AMOUNT	N 15	M	Transaction amount in 2-decimal format Example: `2000.00000`
23	DISCOUNT	N 15	M	Discount amount (always `0`)
24	TRANSACTION_FEE	N 15	M	Transaction fee (if applicable)
25	SERVICE_FEE	N 15	M	Service fee charged to merchant (MDR amount)
26	COMMISSION_FEE	N 15	M	Service fee charged to merchant (MDR) Applicable only to HSBC Reconcile Report No longer available in version 1.9 onwards
27	VAT_SERVICE_FEE	N 15	M	VAT on service fee VAT = SERVICE_FEE × VAT rate
28	COM_VAT_AMOUNT	N 15	M	Commission VAT amount Applicable only to HSBC Reconcile Report
29	TAX_INVOICE_NO / TAX Invoice No	AN 50	M	Tax invoice number issued by 2C2P Format: `2C2P-YYMMDD-####`
30	TAX_INVOICE_DATE / TAX Invoice Date	AN 10	M	Tax invoice issue date (pay-in date) Format: `DD/MM/YYYY`
31	TOTAL_SERVICE_FEE_AMOUNT / TAX Invoice COM Amount	N 15	M	Sum of `TRANSACTION_FEE + SERVICE_FEE` grouped by `PAYMENT_TYPE` Total service fee from tax invoice
32	TOTAL_VAT_AMOUNT / TAX Invoice VAT Amount	N 15	M	Sum of `VAT_SERVICE_FEE` grouped by `PAYMENT_TYPE` Total VAT from tax invoice
33	TOTAL_DEDUCT_AMOUNT / TAX Invoice SUM Amount	N 15	M	Total deduction = SERVICE_FEE + VAT_SERVICE_FEE Tax Invoice Sum Amount = TAX Invoice Com Amount + TAX Invoice VAT Amount
34	WHT_NO	AN 50	O	Withholding tax number (usually blank)
35	WHT_AMOUNT	N 15	M	Withholding tax amount (3% of SERVICE_FEE)
36	TOTAL_PAYIN_AMOUNT / PAYIN_AMOUNT	N 15	M	Net settlement amount Header: `SUM(TOTAL_PAYIN_AMOUNT)` grouped by PAYMENT_TYPE Detail: `AMOUNT - TRANSACTION_FEE - SERVICE_FEE - VAT_SERVICE_FEE + WHT_AMOUNT`
37	SHIPPING_FEE	N 15	M	Shipping fee charged by merchant (always `0`)
38	CURRENCY_CODE / CurrencyCode	AN 3	M	ISO 4217 settlement currency code Example: `SGD`, `THB`, `MYR`
39	APPROVAL_CODE / approval_code	AN 10	M	Bank approval code (credit/debit cards only) Blank for wallets/QR payments
40	ECI / eci	AN 2	M	Electronic Commerce Indicator (3D Secure) `05` = Authenticated (3DS) `06` = Attempt `07` = Non-3DS Blank for non-card payments
41	MASKED_PAN_OR_PAYMENT_REF_CODE / masked_pan / Payment Ref Code	AN 20	M/O	Masked card number (first 6, last 4) for card payments Example: `411111XXXXXX1111` Blank for wallet/QR payments
42	USER_DEFINED_1	AN 150	O	Reference number, booking number, tracking number or order number for merchant use
43	USER_DEFINED_2	AN 150	O	Reference number, booking number, tracking number or order number for merchant use
44	USER_DEFINED_3	AN 150	O	Reference number, booking number, tracking number or order number for merchant use
45	USER_DEFINED_4	AN 150	O	Reference number, booking number, tracking number or order number for merchant use
46	USER_DEFINED_5	AN 150	O	Reference number, booking number, tracking number or order number for merchant use
47	MDR	N 5	M	Full Payment MDR rate in percentage Example: `3.00` (3%)
48	IPP_AMOUNT	N 15	M	IPP principal amount Example: `166.66667` (monthly installment)
49	IPP_INTEREST_BY	AN 1	M	Interest payment responsibility `M` = Merchant pays `C` = Cardholder pays
50	IPP_TERM	N 2	M	Installment term (months) Example: `3`, `6`, `12`, `24`
51	INT_RATE	N 5	M	Interest rate percentage Example: `0.00` (0% interest promotion)
52	IPP_INTEREST_AMOUNT	N 15	M	Interest amount charged
53	IPP_VAT	N 15	M	VAT on interest amount
54	IPP_MDR	N 15	M	IPP-specific MDR amount
55	BANK_PROMO_CODE	AN 50	O	Bank promotion code
56	BANK_PROMO_NAME	AN 250	O	Bank promotion name
57	REFUND_NOTE	AN 250	O	Refund/chargeback reason Populated only for `PAYMENT_TYPE = 005/008`
58	ISSUER_COUNTRY / Issuer country	AN 3	O	Card issuer country ISO code Example: `POL`, `USA` Added: v1.1 onwards
59	CARD_BRAND	AN 30	O	Card brand/network Example: `VI` (Visa), `MC` (Mastercard) See Payment Channel Matrix Added: v1.2 onwards
60	TRANSACTION_ID / TxnID	N 10	O	2C2P transaction ID (PGW & 123) Example: `12629646` Added: v1.3 onwards
61	MERCHANT_NAME / Merchant_Name	AN 300	O	Merchant name in 2C2P records Added: v1.3 onwards
62	QR_REF_ID	AN 20	O	QR payment reference ID Example: UUID `c0a9be6d-af05-4ac8-a9a1-5db28e05a94c` Added: v1.5 onwards
63	CARDHOLDER_NAME	AN 50	O	Cardholder's name (for card payments) Added: v1.5 onwards
64	PRODUCT_DESCRIPTION	AN 250	O	Product/service description Added: v1.5 onwards
65	PROMOTION_CODE	AN 50	O	Merchant promotion code Added: v1.5 onwards
66	ACQUIRER_DISCOUNT	N 15	O	Discount given to cardholder by acquirer Added: v1.6 onwards
67	ACQUIRER_DISCOUNT_CURRENCY	AN 3	O	Currency of acquirer discount Added: v1.6 onwards
68	MCP_AMOUNT	N 15	O	Cardholder's paid amount (MCP/CDC) Added: v1.6 onwards
69	MCP_CURRENCY	AN 3	O	Cardholder's paid currency (MCP/CDC) Added: v1.6 onwards
70	MCP_EXRATE	N 15	O	Exchange rate (cardholder currency → merchant currency) Added: v1.6 onwards
71	EWT_AMOUNT	N 15	O	EWT amount if applicable Added: v1.7 onwards
72	CUSTOM_DATA_ONE	AN 150	O	Custom dataset field 1 from 2C2P Added: v1.7 onwards
73	CUSTOM_DATA_TWO	AN 150	O	Custom dataset field 2 from 2C2P Added: v1.7 onwards
74	REDEEMED_POINTS	N 15	O	Redeemed loyalty points count Added: v1.8 onwards
75	REDEEM_POINTS_AMOUNT	N 15	O	Points amount redeemed Added: v1.8 onwards
76	VOUCHER_DESCRIPTION	AN 255	O	Description of voucher redeemed Added: v1.8 onwards
77	REDEEM_VOUCHER_AMOUNT	N 15	O	Total redeemed voucher amount Added: v1.8 onwards
78	REDEEMED_VOUCHERS_COUNT	N 15	O	Number of vouchers redeemed Added: v1.8 onwards
79	PAYMENT_TYPE_NAME	AN 50	O	Payment type display name Example: `Installment Plan`, `Visa IPP` Added: v1.8 onwards
80	BACKEND_REFERENCE	AN 50	O	Internal backend reference ID Example: UUID `9317822` Added: v2.0 onwards
81	REFUND_CHARGEBACK_FEE	N 15	O	Refund/chargeback processing fee Added: v2.0 onwards
82	REFUND_CHARGEBACK_VAT	N 15	O	VAT on refund/chargeback fee Added: v2.0 onwards
83	CARDTYPE	AN 15	O	Type of card (Credit/Debit/Prepaid) Example: `CREDIT`, `DEBIT` Added: v2.2 onwards
84	CARDLEVEL	AN 15	O	Card level (Classic/Gold/Platinum/Infinite) Example: `CLASSIC`, `STANDARD` Added: v2.2 onwards
85	AGENT_CHANNEL_CODE	AN 50	O	Payment channel code See Payment Channel Matrix Added: v2.3 onwards

Field Notes

IPP-Specific Fields

The following fields are specific to IPP (Installment Payment Plan) transactions (columns 48-56):

Field	Description
`IPP_AMOUNT`	Monthly installment amount (principal)
`IPP_INTEREST_BY`	Interest responsibility (`M` = Merchant, `C` = Cardholder)
`IPP_TERM`	Installment period in months
`INT_RATE`	Interest rate percentage
`IPP_INTEREST_AMOUNT`	Interest amount charged
`IPP_VAT`	VAT on interest
`IPP_MDR`	IPP-specific MDR
`BANK_PROMO_CODE`	Bank promotion code
`BANK_PROMO_NAME`	Bank promotion description