Reconciliation
Reconciliation is a service from Finnet to ensure the number of transactions and the number of bills on the Biller side and CA side are the same. So that the difference between the data between Biller and CA can be minimized. Reports issued and settlement bills are based on the results of the Biller data record and CA data. The online record and settlement process is carried out centrally at Finnet, where all Biller and Bank / CA data are collected and processed by Finnet.
Finpay Billing Reconciliation Mechanism
04.00 - 06.00 : Channel send data to FTP Finnet Server
6:30 a.m. to 9:30 : Reconciliation process
9:30: Channel receive reconciliation reports
10:00: Channel settles transactions that matched between Billers and Channels, by transferring funds to Finnet's Bank Settlement / RTGS account
11:30: CA sends adjustment information for different data (unsettled)
12:00: Finnet receives adjustment and processes claims from CA
Biller BPJS Kesehatan / Denda
Transaction day 12.00 - 12.05: Channel sends D-1 transaction data at 12.00 to the transactions day at 11.59 to FTP Server Finnet. The date on the file corresponds to the D-day of sending the recon file. Example: Transactions on July 23 at 09.00 will be entered in the account file on July 23, while transactions at 13.00 will be entered in the account file on July 24.
Biller BPJS Ketenagakerjaan PU / BPU
Transaction day 15.00 - 15.05: Channel sends D-1 transaction data at 15.00 to the transactions day at 14.59 to FTP Server Finnet. The date on the file corresponds to the D-day of sending the recon file. Example: Transactions on July 23 at 09.00 will be entered in the account file on July 23, while transactions at 16.00 will be entered in the account file on July 24.
Topup (DANA, OVO, Gopay, ShopeePay)
Recon data format for transaction data from channels that will be sent to FTP Finnet on D+1
Reconciliation Format
Adira Roda Dua
Delimiters use pipes | or semicolons ;
File Name
kodeCA_namaProduk_date(YYYYMMDD).txt
770626_ADIRA_20240916.txt
Column
DATE_TRX(YYYY-MM-DD), BILLTIME(hh:mi:ss), NO_KONTRAK, KODE_SUBCA, NAMA_CA, AMOUNT, FEE, NAMA_KONTRAK,TGL_TRX(YYYYMMDDHHmiss)
2024-09-16|06:04:01|045528112962|770626|linkaja|809000|4000|FIKA FITRIYANI|20240916060401
Astra Credit Company (ACC) Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020038_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
BPJS Kesehatan
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
500646_BPJSKS_20240414.txt
Column
TGL SETTLE (YYYYMMDD), DATE TRX(YYYYMMDD HH:MM:SS) NO_REFF, NO VIRTUAL BPJSKS, NAMA PELANGGAN, KODE CABANG BPJS, AMOUNT, JUMLAH ANGGOTA VA, KODE_CA
20240414|20240413 12:11:21|B9031C2EB59E4T6V|8888800016112115|SUPRAPTO|1012|140000|4|770934
BPJS Kesehatan Denda
Delimiters use pipes | or semicolons ;
File Name
kodeca_BPJSKSDenda_yyyymmdd.txt
770123_BPJSKSDenda_20161008.txt
Column
TGL SETTLE|DATE TRX(YYYYMMDD HH24:MI:SS)|KODE TRX|NO VIRTUAL BPJSKS|NAMA PELANGGAN|KODE ASAL PREMI|AMOUNT|JUMLAH TAGIHAN|KODE CA
20161008|20161008 10:00:01|93515095871|8888800068542683|YULI RUKHAYATI|33959656|595000|1|770123
BPJS Ketenagakerjaan BPU
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
500653_080015_20240625.txt
Column
No REFF; Nomor ID; Kode Iuran; Kode Program; DateTime Trx; Total Amount; Nama Customer; KodeCa; amount JHT; amount JKK; amount JKM; periode tagihan
DTPb13f640b29894a2dbc2a;3402260509880002;924079665450;JKK150910920#JKM150910920#JHT150910920;25-06-2024 09:46:22;36800;IDA MARYANI;500653;20000;10000;6800;1
BPJS Ketenagakerjaan PU
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxdate(YYYYMMDD).txt
500304_080014_20240419.txt
Column
kode_CA;bill_date;tgl_trx (dd-MM-YYYY hh:mm:ss);ca_channel;reqId;kode_iuran;namaPerusahaan;kodeProgram (JHTkodeRef#JKKkodeRef#JKMkodeRef#JPKkodeRef#JPNkodeRef);iuranJHT;iuranJKK;iuranJKM;iuranJPK;iuranJPN;npp;totalIuran;kodeBiller;
500304;19-04-2024;19-04-2024 12:52:02;6018;DTP69771550030414811;240420639649;DESTI WAHYUNI;JKK697354500304#JKM697354500304;0;9599;12001;0;0;23220557;21600;080014;
Bussan Auto Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020027_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
BYU
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
700_018002_20230125.txt
Column
DATE TRX (YYYYMMDD), NOHP, PRODUCT_ID, AMOUNT, TRAX_ID, KODE PRODUK, KODE CA
20230125;085158000034;50810;15000;1231341313;018002;700;
CIMB Niaga Auto Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020036_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Clipan Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020039_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Garuda Airlines
Delimiters use pipes | or semicolons ;
File Name
kodeProduk_kodeCA_date(YYYYMMDD).txt
030001_770_20141005.txt
Column
DATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS), NOMOR, KODEBAYAR, KODE CA, CHANNEL CODE, KODE PRODUK, AMOUNT, NAMACUST, NOREFF
20141022; 12:07:47; 5799459423796; JPCKHY; 770; 6014; 030001; 2225954; LINA AFINA ;106042
Iconnet
Delimiters use pipes | or semicolons ;
File Name
kodeproduk_kodeca_date(YYYYMMDD).txt
090003_770770_20221205.txt
Column
trx_date_time DateTime (yyyyMMddhh24:mi:ss)(M);bill_number(M);id_number(M);amount Number(M);billercode Number(M);cacode(M);subcacode(M);merchant_id(O);merchant_name(O);produk(O);add_info1(M);add_info2(O);add_info3(O);add_info4(O);add_info5(O);
2018030710:05:45;01120997;01004395435;50000;090003;770;770123;;;;Setiawan;;;;;
Jaya Real Property
Delimiters use pipes | or semicolons ;
File Name
Kodeproduk_Kodeca_Date(YYYYMMDD)
100101_500109_20230414
Column
trx_date,trx_time,billName,billPeriode,billUnitCode,billType,transaction_idbill_number,id_number,amount,billercode,cacode,subcacode
20230414|12:07:47|KING TIE|202303|R01|01|00077077092405082023152451614388|921800017159|202304000000|2458000|100101|500109|770953
Mega Finance
Delimiters use pipes | or semicolons ;
File Name
kodeca_kode_produk_date(YYYYMMDD).txt
626_020026_20211021.txt
Column
DATE TRX (YYYYMMDD),TIME TRX (HH24:MI:SS),IDPEL, AMOUNT, FEEAMOUNT, REFERENCE_NUM, KODE PRODUK,KODE CA,KODE SUBCA
20211028;12:01:02;4324321734538432;50000;2500;122425638903245;020026;770;770;
Mitra Pinastika Mustika Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020035_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
PBB Bali
Delimiters use pipes | or semicolons ;
File Name
kodebank_PBBBALI_date(YYYYMMDD).txt
770935_PBBBALI_20141101.txt
Column
DATE TRX(YYYYMMDD), TIMETRX (HH24:MI:SS), NOMOR, KODEBILLER, KODE CA, AMOUNT, NOREFF, ADD INFO
20141101; 10:24:58; 510809001900900880; 050101; 770935; 10000; 143130; PUTRIW;
PDAM Surabaya
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeBiller_trxDate(YYYYMMDD).txt
999_503000_20211111.txt
Column
kodeCA|kodeBiller|trxDate(YYYYMMDD)|kodePDAM|customerId|customerName|biayaAdmin|nominal|amount|
999|503000|20211111|503084|137357|LINDA FATMAWATI|5000|105000|110000|
PDAM Non Surabaya
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeBiller_trxDate(YYYYMMDD).txt
999_503000_20211111.txt
Column
kodeCA|kodeBiller|trxDate(YYYYMMDD)|kodePDAM|customerId|customerName|biayaAdmin|nominal|amount|
999|503000|20211111|503112|137357|LINDA FATMAWATI|5000|105000|110000|
Signal Samsat
Delimiters use pipes | or semicolons ;
File Name
[kodeBANK/CA]_[kodeproduk]_[YYYYMMDD].txt
123_050012_20170710.txt
Column
DATE TRX (YYYYMMDD)|TIME (HHMMSS)|KODE BAYAR|NIK|AMOUNT|TRANSACTION ID|KODE SAMSAT|DELIVERY FEE|
20170710| 100545| 012345678912345678| 1111223456789899| 1500000| 5555555556777| 03| 20000|
Smart Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020030_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Telkom / Indihome
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
770_001001_20141028.txt
Column
DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3
20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;
Top Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020031_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Topup DANA
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
770_001001_20141028.txt
Column
DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3
20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;
Topup OVO
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
770_001001_20141028.txt
Column
DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3
20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;
Topup ShopeePay
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_date(YYYYMMDD).txt
770_001001_20141028.txt
Column
DATE TRX (YYYYMMDD), NOMOR, KODE CA , KODE PRODUK (001001), DIVRE, JMLH BILL, AMOUNT, NOREF 1, NOREF 2, NOREF 3
20141028; 0227566668; 770; 001001; 2; 1; 5000 ; 410A ; ; ;
Toyota Astra Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020037_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Wahana Ottomitra Multiartha
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020028_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
Woka Finance
Delimiters use pipes | or semicolons ;
File Name
kodeCA_kodeProduk_trxDate(YYYYMMDD).txt
123_020029_20241208.txt
Column
trxDate(YYYY-MM-DD HH:MM:ss)|billNumber|orderId|amount|kodeCA|customerName|bit48
2024-11-22 17:04:31|807400010001|1732269730018|718300|123|WISHNU EKA SIDHARTA|success
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