Bank Start Guide
Get Ready for Synctera Transaction Files
The Accounts Balances file is a CSV file that contains the account balances for all FinTechs accounts at the Sponsor Bank.
Accounts Balances File
In short, this is an export of account balances for all BaaS related accounts at the Bank that will be sent from the Bank to Synctera via the SFTP on a daily basis. Please see the template below and use it to build an automated export system at the Bank.Account Balances Template.xlsx
Specifications
| Item | Description | Format | Example |
|---|---|---|---|
| File Name | Name of the file that is sent to Synctera | AccountBalances_YYYY-MM-DD.csv | AccountBalances_2024-01-02.csv |
| Program ID | Used to identify the bank’s fintech | string | 001, fintech_name |
| Account Number | A unique account number across the bank core, must be unique across various fintechs | string | 0112349123, 011-234-9123 |
| Current Balance | The current balance in cents | integer | 1000 |
| Previous Processing Date | The most recent date where the Current Balance was changed | MM/DD/YYYY | 01/02/2024 |
Sample content of the Account Balances csv file
| Program ID | Account Number | Current Balance | Previous Processing Date |
|---|---|---|---|
| fintech_a | 001-1234-1234 | 1000 | 1/1/2022 |
| fintech_a | 001-1234-1235 | -1000 | 1/1/2022 |
| fintech_b | 001-1235-1234 | 7000 | 1/2/2022 |
Transactions File
The Transactions file is a CSV file that contains the transactions for all FinTechs accounts at the Sponsor Bank. In short, this is an export of transaction history for all BaaS related accounts at the Bank that will be sent from the Bank to Synctera via the SFTP on a daily basis. Please see the template below and use it to build an automated export system at the Bank.Transactions Template.xlsx
Specifications
| Column | Description | Format | Examples |
|---|---|---|---|
| File Name | Name of the file that is sent to Synctera | Transactions_YYYY-MM-DD.csv | Transactions_2022-02-02.csv |
| Program ID | Used to identify fintech and thus tenancy | string | 001, fintech_name |
| Account Number | A unique account number across the bank core (can be a combination of the branch and account number) | string | 0112349123, 011-234-9123 |
| Posting Date | The date when the transaction ocurred (UTC) | MM/DD/YYYY | 1/2/2022 |
| Effective Date | The date when the transaction becomes effective (UTC) | MM/DD/YYYY | 1/2/2022 |
| Transaction Code | Vendor specific transaction code | string | card_092_sales |
| Description (Optional) | The description shown in the UI | string | Mastercard Sales 9/2 |
| Transaction Amount | The transaction amount in cents | integer | -1000 |
| Unique Reference ID | The unique reference id for a specific transaction | string | MC1234193 |
| Column | Description | Format | Examples |
|---|---|---|---|
| Program ID | Used to identify fintech and thus tenancy | string | 001, fintech_name |
| Account Number | A unique account number across the bank core (can be a combination of the branch and account number) | string | 0112349123, 011-234-9123 |
| Posting Date | The date when the transaction ocurred (UTC) | MM/DD/YYYY | 1/2/2022 |
| Effective Date | The date when the transaction becomes effective (UTC) | MM/DD/YYYY | 1/2/2022 |
| Transaction Code | Vendor specific transaction code | string | card_092_sales |
| Description (Optional) | The description shown in the UI | string | Mastercard Sales 9/2 |
| Transaction Amount | The transaction amount in cents | integer | -1000 |
| Unique Reference ID | The unique reference id for a specific transaction | string | MC1234193 |