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Reconciliation Report - Non-IPP

Reconciliation Report - Non-IPP

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

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Report Scope

Non-IPP transactions include:

  • Credit card payments (full payment)
  • Debit card payments
  • E-wallets (Alipay, TrueMoney, ShopeePay, etc.)
  • QR code payments
  • Bank transfers
  • Cash payment channels
  • Refunds and chargebacks

Excludes: Installment Payment Plan (IPP) transactions - see IPP Reconciliation Report for field definitions specific to installment transactions.

Header Record Example

2C2P2026062201,13,H,test,0,14/05/2026,test,22/06/2026,000000,00/00/00,000000,702702000000000,00000000000000000000,00000000000000000000,000,000,000,1751.01,0.00,0.00,52.86,3.69,,,,,,,1.58,1696.04,0.00,SGD,000000,0,0,,,,,,,,,,,,,,,,,,,,,0.0,,,,,,,,,,0.00,0.00

Detail Record Example (Credit Card Payment)

2C2P2026062201,5,D,test,0,14/05/2026,test,05/05/2026,130426,05/05/2026,000000,702702000000000,GSC12300062,,001,VI,CONOTOXIA SP Z OO,1600.00000,0.00000,0.00000,48.00000,3.36000,2C2P-260505-0001,06/05/2026,49.20000,3.44000,52.64000,,1.44000,1550.08000,0.00000,SGD,279948,07,411111XXXXXX1111,"chai chee #08-08, #08-09",zhen ming,,,,3.00,,POL,VI,14744058,2C2P SG Test B,,Chai Chee test,Info here will be visible to the customer,,0.00,,,,,0.00000,,,,,,,,,10710067,0.00000,0.00000

Detail Record Example (QR Payment)

2C2P2026062201,18,D,test,0,14/05/2026,test,08/05/2026,165302,08/05/2026,000000,702840000000000,alipayqrv2test5,,001,AQ,,0.01000,0.00000,0.00000,0.00000,0.00000,2C2P-260508-0002,09/05/2026,0.33000,0.02000,0.35000,,0.00000,0.01000,0.00000,SGD,214953, ,,,,,,,1.00,,,AQ,14778891,2C2P SG Test B1,,Customer,Payment for alipayqrv2test5,,0.00,,,,,0.00000,,,,,,,,,c0a9be6d-af05-4ac8-a9a1-5db28e05a94c,0.00000,0.00000

Detail Record Example (Refund)

2C2P2026062201,10,D,test,0,14/05/2026,test,06/05/2026,105253,06/05/2026,105253,702702000000000,test35345,,005,VI,CONOTOXIA SP Z OO,10.00000,0.00000,0.00000,0.00000,0.00000,,,0.00000,0.00000,0.00000,,0.00000,10.00000,0.00000,SGD,831000,05,411111XXXXXX1111,,,,,,3.00000,multiple refund,POL,VI,14748668,2C2P SG Test B,,Customer,V4 Test,,0.00,,,,,0.00000,,,,,,,,,,0.00000,0.00000

Data Parameters

Total Columns: 70 (v2.4) | 69 (v2.3) | 67 (v2.0-v2.2) | 64 (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.

ColumnParameter NameData TypeMandatoryDescription
1BATCH_NOAN 20MBatch number format: 2C2P+YYMMDD+NN
Example: 2C2P2026062201
2LINE_NON 5MLine number: H = Total lines (header), D = Detail line number
3TYPE_TABLEAN 1MRecord type: H = Header, D = Detail
4BANK_CODEAN 25MMerchant bank SWIFT code
5ACCOUNT_NOAN 25MMerchant bank account number
6PAYIN_DATEAN 10MPay-in date (settlement date)
Format: DD/MM/YYYY

The date when merchant receives funds in their bank account.

Typically follows T+ X settlement cycle (Transaction Date + X business days).
7VAT_NOAN 25MMerchant tax registration number
Example: 0107536000633
8TRANSACTION_DATEAN 10MTransaction date
Format: DD/MM/YYYY
9TRANSACTION_TIMEAN 6MTransaction time
Format: HHMMSS
10SETTLEMENT_DATEAN 10MSettlement date
Format: DD/MM/YYYY
11SETTLEMENT_TIMEAN 6MSettlement time
Format: HHMMSS
12MERCHANT_IDAN 15MMerchant ID assigned by 2C2P
13ORDERID_INVOICENO / ORDER_IDAN 20MUnique merchant order number
Example: 00000000010000091203
Note: The same order number may appear for different payment methods (e.g., 1 line for Loyalty + 1 line for Card Payment)
14MERCHANT_INVOICE_NO / INVOICE_NOAN 50MMerchant invoice number
Applicable only to HSBC Reconcile Report
15ORDER_DATEAN 10MCustomer order date
Format: DD/MM/YYYY
Applicable only to HSBC Reconcile Report
16ORDER_TIMEAN 6MCustomer order time
Format: HHMMSS
Applicable only to HSBC Reconcile Report
17PAYMENT_DATEAN 10MCustomer pay date
Format: DD/MM/YYYY
Applicable only to HSBC Reconcile Report
18PAYMENT_TIMEAN 6MCustomer pay time
Format: HHMMSS
Applicable only to HSBC Reconcile Report
19PAYMENT_TYPEAN 3MPayment 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+)
20PAYMENT_CHANNEL / CHANNEL_CODEAN 30MPayment channel code
See Payment Channel Matrix

In version 2.3 onwards, PAYMENT_CHANNEL is renamed to CHANNEL_CODE
21AGENT_CODE / PAYMENT_AGENT_SERVICEAN 30MPayment agent/acquirer name

In version 2.3 onwards, PAYMENT_AGENT_SERVICE is renamed to AGENT_CODE
22AMOUNTN 15MTransaction amount in 2-decimal format
Example: 1600.00
23DISCOUNTN 15MDiscount amount (always 0)
24TRANSACTION_FEEN 15MTransaction fee (if applicable)
25SERVICE_FEEN 15MService fee charged to merchant (MDR amount)
26COMMISSION_FEEN 15MService fee charged to merchant (MDR)
Applicable only to HSBC Reconcile Report
No longer available in version 1.9 onwards
27VAT_SERVICE_FEEN 15MVAT on service fee
VAT = SERVICE_FEE × VAT rate
28COM_VAT_AMOUNTN 15MCommission VAT amount
Applicable only to HSBC Reconcile Report
29TAX_INVOICE_NO / TAX Invoice NoAN 50MTax invoice number issued by 2C2P to merchant on daily settlement

Format: 2C2P-YYMMDD-####
30TAX_INVOICE_DATE / TAX Invoice DateAN 10MTax invoice issue date (pay-in date)

Format: DD/MM/YYYY
31TOTAL_SERVICE_FEE_AMOUNT / TAX Invoice COM AmountN 15MTotal service fee from tax invoice issued to merchant

Sum of TRANSACTION_FEE + SERVICE_FEE grouped by PAYMENT_TYPE
32TOTAL_VAT_AMOUNT / TAX Invoice VAT AmountN 15MTotal VAT from tax invoice

Sum of VAT_SERVICE_FEE grouped by PAYMENT_TYPE
33TOTAL_DEDUCT_AMOUNT / TAX Invoice SUM AmountN 15MTax Invoice Sum Amount = Total Service Fee + Total VAT Amount
34WHT_NOAN 50OWithholding tax number (usually blank)
35WHT_AMOUNTN 15MWithholding tax amount (3% of SERVICE_FEE)
36TOTAL_PAYIN_AMOUNT / PAYIN_AMOUNTN 15MNet settlement amount

Formula: AMOUNT - TRANSACTION_FEE - SERVICE_FEE - VAT_SERVICE_FEE
37SHIPPING_FEEN 15MShipping fee charged by merchant (always 0)
38CURRENCY_CODE / CurrencyCodeAN 3MISO 4217 settlement currency code

Example: SGD, THB, MYR
39APPROVAL_CODE / approval_codeAN 10MBank approval code (credit/debit cards only)
Blank for wallets/QR payments
40ECI / eciAN 2MElectronic Commerce Indicator (3D Secure)

Example:
05 = Authenticated (3DS)
06 = Attempt
07 = Non-3DS

Blank for non-card payments
41MASKED_PAN_OR_PAYMENT_REF_CODE / masked_pan / Payment Ref CodeAN 20M/OMasked card number (first 6, last 4) for card payments

Example: 411111XXXXXX1111

Blank for wallet/QR payments
42USER_DEFINED_1AN 150OReference number, booking number, tracking number or order number for merchant use
43USER_DEFINED_2AN 150OReference number, booking number, tracking number or order number for merchant use
44USER_DEFINED_3AN 150OReference number, booking number, tracking number or order number for merchant use
45USER_DEFINED_4AN 150OReference number, booking number, tracking number or order number for merchant use
46USER_DEFINED_5AN 150OReference number, booking number, tracking number or order number for merchant use
47MDRN 5MFull Payment MDR rate in percentage

Example: 3.00 (3%)
48REFUND_NOTEAN 250ORefund/chargeback reason

Populated only for PAYMENT_TYPE = 005/008
49ISSUER_COUNTRY / Issuer countryAN 3OCard issuer country ISO code

Example: POL, USA

Added: v1.1 onwards
50CARD_BRANDAN 30OCard brand/network

Example: VI (Visa), MC (Mastercard)
See Payment Channel Matrix

Added: v1.2 onwards
51TRANSACTION_ID / TxnIDN 10O2C2P transaction ID (PGW & 123)
Example: 14744058
Added: v1.3 onwards
52MERCHANT_NAME / Merchant_NameAN 300OMerchant name in 2C2P records
Added: v1.3 onwards
53QR_REF_IDAN 20OQR payment reference ID

Added: v1.5 onwards
54CARDHOLDER_NAMEAN 50OCardholder's name (for card payments)
Added: v1.5 onwards
55PRODUCT_DESCRIPTIONAN 250OProduct/service description
Added: v1.5 onwards
56PROMOTION_CODEAN 50OMerchant promotion code
Added: v1.5 onwards
57ACQUIRER_DISCOUNTN 15ODiscount given to cardholder by acquirer
Added: v1.6 onwards
58ACQUIRER_DISCOUNT_CURRENCYAN 3OCurrency of acquirer discount
Added: v1.6 onwards
59MCP_AMOUNTN 15OCardholder's paid amount (MCP/CDC)
Added: v1.6 onwards
60MCP_CURRENCYAN 3OCardholder's paid currency (MCP/CDC)
Added: v1.6 onwards
61MCP_EXRATEN 15OExchange rate (cardholder currency → merchant currency)
Added: v1.6 onwards
62EWT_AMOUNTN 15OEWT amount if applicable
Added: v1.7 onwards
63CUSTOM_DATA_ONEAN 150OCustom dataset field 1 from 2C2P
Added: v1.7 onwards
64CUSTOM_DATA_TWOAN 150OCustom dataset field 2 from 2C2P
Added: v1.7 onwards
65REDEEMED_POINTSN 15ORedeemed loyalty points count
Added: v1.8 onwards
66REDEEM_POINTS_AMOUNTN 15OPoints amount redeemed
Added: v1.8 onwards
67VOUCHERDESCRIPTIONAN 255ODescription of voucher redeemed
Added: v1.8 onwards
68REDEEMVOUCHERAMOUNTN 15OTotal redeemed voucher amount
Added: v1.8 onwards
69REDEEMEDVOUCHERSCOUNTN 15ONumber of vouchers redeemed
Added: v1.8 onwards
70PAYMENTTYPE_NAMEAN 50OPayment type display name

Example: Alipay+, Visa Credit

Added: v1.8 onwards
71BACKEND_REFERENCEAN 50OInternal backend reference ID

Example: 10710067

Added: v2.0 onwards
72REFUND_CHARGEBACK_FEEN 15ORefund/chargeback processing fee
Added: v2.0 onwards
73REFUND_CHARGEBACK_VATN 15OVAT on refund/chargeback fee
Added: v2.0 onwards
74CARDTYPEAN 15OType of card (Credit/Debit/Prepaid)
Added: v2.2 onwards
75CARDLEVELAN 15OCard level (Classic/Gold/Platinum/Infinite)
Added: v2.2 onwards
76AGENT_CHANNEL_CODEAN 50OSub-payment channel code
See Payment Channel Matrix
Added: v2.3 onwards