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

Sample content of the Transaction Balances csv file

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