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Original Credit Transaction Reports for Acquirers
Transaction Reports
for AcquirersAn Original Credit Transaction (OCT) is a financial transaction that delivers funds
directly to a recipient's eligible account. Unlike a purchase transaction, which debits a
cardholder's account, an OCT credits the cardholder's account.
The funds flow in a different direction than in typical card transaction. A full financial BIN is required and the liability to pay lies with the acquirer. Once the issuer accepts the transaction the transaction is completed and funds are pulled from the acquirer in the next settlement window. There are no reversals or chargebacks that can be originated by the acquirer.
Original Credit Transactions can be used for a variety of services:
- Money Transfers
- Funds Disbursements
- Prepaid Loads
- Merchant Settlements
- Credit Card Bill Payments
- Loyalty and Offers
- Wallet Transfers
For instructions on creating report subscriptions and generating these reports, see Creating and Accessing Downloadable
Reports.
Report Name | Description |
|---|---|
Acquirer Detail Report | Provides a detailed listing of all
OCT transactions. |
Acquirer Exception Detail
Report | Provides exception transactions for
one processing day. |
Acquirer Chargeback Detail
Report | Provides chargebacks and chargeback
reversal transactions received by the acquirer during the processing
day. |
Acquirer Reconciliation Summary
Report | Provides a summary of total OCT
transactions and total amount processed. |