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Diagram

Diagram showing the data flow for credit or charge cards.

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Process

1

Every calendar day by 6:00 a.m. CT

Provide Customer (and Customer Relationship if applicable), Cards, Applications, Accounts, Balances, Transactions and Collaterals (if applicable) for prior calendar day.
ReferencedDocuments should be uploaded to your SFTP folder prior to submitting the above files.
2

Example transaction

(T) Your customer transacts on the card for $300 (example amount), increasing the balance.
3

(T+Calendar Day 1 by 11 a.m. CT)

Issuing Processor sends the Network Settlement file for transactions that settled on T.
4

(T+Calendar Day 1 until sale, by 6 a.m. CT)

Provide Balances and Transactions that affected the Balance from prior calendar day.
5

(T+Business Day "N", by 9:00 a.m. CT)

Lead sends Sales Request for receivables to be sold.
“N” denotes number of business days Lead is holding the receivables.
6

(T+Business Day "N", by 12:00 p.m. CT)

Make funds available in Operating DDA and responds with Sales Response.
7

Until the account is close, every calendar day

Provide Balances and Transactions for prior calendar day.
8

Until the account is closed, as there are updates

Provide Customer (and Customer Relationship if applicable), Cards, Accounts and Collaterals (if applicable) as there are updates to the information.