Payment reconciliation

To help the merchant reconcile the completed transactions (on the payment gateway) with the cash flows appearing on the merchant’s bank statement, the payment gateway transmits two pieces of information with end-to-end encryption:

the UUID of the transaction (End-To-End ID),
the payment details (Remittance Information).

This information may appear on both the payer’s and merchant’s account statements.

the payment details (Remittance Information) is a 140-character string consisting of:

:UUID:ORDER_ID:SOFT_DESCRIPTOR

where:

UUID corresponds to the 32 character long unique transaction identifier (vads_trans_uuid),
ORDER_ID corresponds to the 64 character long order number if the merchant transmits the data in vads_order_id,
SOFT_DESCRIPTOR corresponds to the payment description (soft descriptor) defined for the contract. If the data is not specified for the contract, the shop reference will be used.

Examples for the "DEMO STORE" shop with an empty Soft Descriptor:

with order ID in the query:

:fcfd84b23fb84c01abc7508c8850872d:MyOrderId626958cb71991:DEMO STORE

without order ID in the query:

:0bb6f854baf94985ba567d4744014bf6::DEMO STORE

Examples for the "DEMO STORE" shop with a Soft Descriptor set to "mystore.com":

with order ID in the query:

:fcfd84b23fb84c01abc7508c8850872d:MyOrderId626958cb71991:mystore.com

without order ID in the query:

:0bb6f854baf94985ba567d4744014bf6::mystore.com

Some banks do not transmit (or alter) the End-To-End ID or the contents of the Remittance Information. This is why the transaction UUID is sent in both records.

In case of SEPA Instant Credit Transfers, some banks do not display the End-To-End ID or the Remittance Information. In this case, reconciliation is impossible.

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Payment reconciliation