Operating Instructions
Print MOI section
Merchant Operating Instructions: Reconciling your Invoice
If you have a terminal, you should use it to complete a banking/reconciliation at the end of each day, which will provide you with a daily total for card business. If you do not do this, there may be a delay in crediting funds to your account. To find out how to print a daily summary, read your Terminal User Guide.
Check regularly that your terminal totals match your bank statement and your Streamline invoice. If there are any discrepancies, please contact the Streamline Helpdesk immediately.
It is your responsibility to reconcile all debits and credits made by Streamline to your bank account. If you require any assistance from us with your reconciliation, please be aware that there may be an additional charge to investigate. Please also note that we may not be able to resolve any issues that are over 12 months old.
- Settlement of funds
- Your nominated bank account is usually credited with the value of the card transaction within four working days of the payment being processed. The exact time taken depends on where you bank and your Contract with us.
Back to top
- Understanding your bank statement
-
Here is a typical line on your bank statement, showing transactions on a terminal.
A - The card scheme (e.g., "SL – Streamline – 2401"):
- SL= Single credit for all card schemes
- MV= MasterCard, Visa, JCB, Maestro International
- SW = Maestro (Domestic)
- VP= Visa Purchasing
- AX= American Express
B - This means paid in via Streamline. You can change this to represent an outlet name or Merchant Number, using up to 10 characters. To do this, please write to Amendments, Gateshead Card Centre. Find the address in How to Get in Touch.
C - The date: "2401" means 24/01 – or January 24th
D - The amount (e.g., £115.75)
|
 |
Back to top
- Understanding your invoice
-
Charges explained
Charges on card payments are worked out in different ways.
A - For MasterCard, Visa, Maestro International, Visa Commercial and JCB payments, charges are a percentage of the total.
B - For UK-issued Maestro, Debit MasterCard, Visa Delta, Visa Debit and Electron payments, charges are worked out as a fixed rate per payment.
The above may be subject to a minimum Monthly Service Charge, depending on your Contract.
C - Depending on your contract with us, there may also be charges for:
|
 |
- Monthly terminal rental, which includes all maintenance and upgrades
- Polling charges, which cover the transfer of your transaction data to our computer system
- Authorisation call charges from the terminal
- Any other charges
How and when to pay
You don’t need to make a payment when you receive an invoice. The amount due will be taken by direct debit from your bank account (A) on or after the date (B).
If you change your account, bank or branch, you must let us know. Find out more in How to Get in Touch. We will cancel the old direct debit and send you a new instruction to complete.
About the dates
The Batch Totals section of the invoice shows the dates the transactions were processed by Streamline, not the dates of the transactions. The processed date is usually the day following the transaction date. This does mean that transactions that take place at the end of one month can sometimes appear on next month’s invoice.
Adjusting batch totals
If you process transactions using a paper imprinter, we will advise you separately about any adjustment to your batch totals.
If the post is disrupted
If there is a problem with the post, your invoice may be delayed, but will be sent to you as soon as possible. Even if this written explanation is late reaching you, chargebacks and fees will be debited from your account as usual.
Back to top
- Electronic Management Information (MI)
- If you have signed up to receive detailed Monthly Electronic Management Information – MI – as well as a paper invoice, we will e-mail this to you during the first week of each month.
To receive MI you must have:
- Registered your e-mail address with us
- Access to the Internet
- Microsoft Excel 97 (or later version)
Register your e-mail address now
To register your e-mail address with us, just write to:
Streamline Merchant Services
Merchant Records
Gateshead Card Centre
Victory House
5th Avenue
Gateshead
NE11 0EL
Opening MI files
The Comma-separated Value ('.CSV') file that contains your MI must be opened in Excel using a File Formatter that converts the MI into a user-friendly format.
You will need to open MI files in Excel using File Formatter.
Download File Formatter.
How to download and install File Formatter
- Follow the link above.
- Select Already a Customer.
- Select Managing your Merchant Account and enter your Merchant Number.
- Select Monthly Management Information and download the Excel template on this page.
- If a message about macros appears, select ‘Yes’.
- Name the spreadsheet and save it to your PC.
- Close your Internet browser.
- Open Excel and open the file you have just saved.
- Select Enable Macros.
- Select Add IMIX Toolbar.
You will only need to do this once – File Formatter will remain on your computer.
When you get your monthly MI:
- Open the file in Excel.
- Click on the IMIX CSV File Formatter toolbar.
- The file will then be converted to a user-friendly format.
Want to find out more about MI?
Please contact the Streamline Helpdesk.
Back to top
- Understanding your Monthly Invoicing Transaction Detail Report
- This report gives you a breakdown of all card transactions reported on your monthly invoice. You can cross-reference the summary of transaction totals by card scheme reported in your monthly invoice with the values printed in the Transaction Totals section of the report.
- The report totals will include adjustments for any reversal or cancellation transactions.
- The report will not include any chargebacks that you may have received. You will need to deduct or add the total value of any chargebacks reported on your monthly invoice to the Transaction Totals section of the report.
Transaction charges
These are recorded in the Transaction Charge Rate column printed on your monthly invoice. You will find this column in the summary of transaction totals by card scheme. To identify the charge for the transaction, you should also refer to your Merchant Services Agreement (MSA) and any notification of changes to your charges.
Premium Transaction Charges
If you have agreed with us that a transaction premium is to be applied for certain types of transaction – for example, Card Not Present (CNP) transactions – follow these guidelines:
- Refer to the codes reported in the final column (PT CHG) of your Monthly Invoicing Transaction Detail report. See Example 2.
- Compare the codes with the three descriptions – Capture Method, Authorisation and Locality – detailed on the report. You will then be able to reconcile to the Premium Table/price documented in your MSA/contract or in any notification of changes to your charges. There is more detail about calculating transaction charges in your MSA/contract.
Two versions of the report are available, based on the type of transaction charges that have been agreed with you. The system will select the correct version. Examples of both versions are shown below.
Example 1
A detailed breakdown of card schemes and card types is shown below.
| CIN302AA-01 |
Monthly invoicing transaction detail |
| Invoice number No. S1234567 Company/Outlet 11111/87654321 |
| Transaction totals |
| Cards acquired by Streamline |
Number |
Value |
When Streamline is the acquirer,the net totals of each card product type will be reported here. |
| MasterCard Credit |
6 |
26.35 |
| MasterCard World SIG |
2 |
63.49- |
| Visa Credit |
7 |
37.91 |
| Visa Purchasing |
1 |
15.74 |
| Cards processed for other acquirers |
| American Express |
2 |
15.50- |
When Streamline is the acquirer, the net totals of each card product type will be reported here. |
Example 2: When Premium Transaction Charges have been agreed
A detailed breakdown of card schemes and card types is shown below.
| CIN302AA-01 |
Monthly invoicing transaction detail |
| Invoice number No. S1234567 Company/Outlet 11111/87654321 |
| Transaction totals |
| Cards acquired by Streamline |
Number |
Value |
When Streamline is the acquirer,the net totals of each card product type will be reported here. |
| MasterCard Credit |
6 |
26.35 |
| MasterCard World SIG |
2 |
63.49- |
| Visa Credit |
7 |
37.91 |
| Visa Purchasing |
1 |
15.74 |
| Cards processed for other acquirers |
| American Express |
2 |
15.50- |
When Streamline is the acquirer, the net totals of each card product type will be reported here. |
| Premium transaction charging codes (PT CHG) |
| Capture method (CM) |
Authorisation (AU) |
Locality (LO) |
| 01 EIRF (MAG STRIPE) |
01 EHCF |
01 DOMESTIC |
| 02 CNP |
02 NON AUTHORISED |
03 INTER REGIONAL |
| 03 E-COMMERCE |
|
|
The capture method describes how the cardholder details are captured.
01 EIRF (MAG Stripe) – when a card is swiped via your-point-of-sale device
02 CNP – when the cardholder is not present at the transaction, e.g., a mail or telephone order
03 or 04 E-Commerce – when the card details are captured online
05 Paper - transaction was processed using paper vouchers
06 PAN key entry - card details were entered into the terminal manually |
This describes how the transaction
is authorised:
01 EHCF – An online authorisation has been undertaken.
02 Non authorised – The transaction has not been authorised |
Locality - describes whether the card transaction was taken in the UK or countries inside and outside of the EU:
01 = UK
02 = Within the EU
03 = Outside the EU |
Acquirers, card schemes and card products
In most cases, we will be your acquirer* and you will be accepting cards issued by MasterCard or Visa. However, subject to your agreement/contract with us, we may be acting as a processor and your acquirer may be another organisation, such as American Express.
To differentiate between acquirers, card schemes, credit or debit cards, contactless or corporate cards and other card products, there is a series of codes on the Monthly Invoicing Transaction Detail Report. For descriptions of the codes see Table 1: List of Acquirers and Table 2: Card Schemes and Product Names below.
If you compare the first column of the report with the acquirer code and the second and third columns with the card scheme and product name reported in Tables 1 and 2 respectively, you will be able to identify the type of card that you have accepted and reconcile to any agreed pricing for that specific card type.
Table 1. List of Acquirers
| Acquirer Code | Acquirer Name |
|---|
| AX |
AMERICAN EXPRESS |
| DC |
DINERS |
| DI |
DINERS INT |
| EX |
WORLDPAY EIRE EURO |
| GE |
GE CAPITAL |
| JC |
JCB |
| ND |
DOMESTIC DUALITY** |
| OJ |
JCB OVERSEAS |
| OM |
OVERSEAS MASTERCARD |
| OV |
OVERSEAS VISA |
| SN |
MAESTRO (DOM) |
| UE |
WORLDPAY EIRE |
| UN |
WORLDPAY N.I. |
| UX |
WORLDPAY EURO |
| VP |
PURCHASING |
| VR |
WORLDPAY VISA |
Table 2. Card Schemes and Product Names
| Card Type | Card Type Description |
|---|
| Visa Credit |
|
| BC000 |
Visa Credit Personal |
| XV000 |
CL Visa Credit Pers |
| Visa Debit |
|
| BCVIY |
Visa Dr/Elec Per Int |
| DE000 |
Visa Debit |
| XD000 |
CL Visa Debit |
| XVVIY |
CL VisaDr/Elec PsInt |
| PE000 |
Visa Electron |
| XE000 |
CL Visa Electron |
| Visa Commercial |
|
| VP001 |
Visa Commercial |
| VPVIB |
Visa Business |
| VPVID |
Visa Commerce |
| VPVIR |
Visa Corporate |
| VPVIS |
Visa Purchasing |
| VPVIX |
Visa Dr Com Intl |
| Contactless Visa Commercial |
|
| XP001 |
CL Visa Commercial |
| XPVIB |
CL Visa Business |
| XPVID |
CL Visa Commerce |
| XPVIR |
CL Visa Corporate |
| XPVIS |
CL Visa Purchasing |
| XPVIX |
CL Visa Dr Com Intl |
| MasterCard Credit |
|
| AC000 |
MasterCard Cr Per |
| ACMCW |
MasterCard Signia |
| ACMNW |
MasterCard World |
| XA000 |
CL MasterCard Cr Per |
| XAMCW |
CL MCard Signia |
| XAMNW |
CL MasterCard World |
| MasterCard Debit |
|
| ACMCY |
MasterCardDr Per Int |
| DM000 |
Dr MasterCard EEA |
| XAMCY |
CL MCard Dr Per Int |
| XN000 |
CL Dr MasterCard EEA |
| MasterCard Commercial |
|
| VP002 |
MasterCard Comm |
| VPMCB |
MasterCard Business |
| VPMCO |
MasterCard Corporate |
| VPMCP |
MasterCard Purchase |
| VPMCF |
MasterCard Fleet |
| VPMCX |
MasterCardDr Com Int |
| Contactless MasterCard Commercial |
|
| XP002 |
CL MasterCard Comm |
| XPMCB |
CL MasterCard Bus |
| XPMCO |
CL MasterCard Corp |
| XPMCP |
CL MasterCard Purch |
| XPMCF |
CL MasterCard Fleet |
| XPMCX |
CL MCard Dr Com Int |
| Maestro |
|
| PM000 |
Maestro Intl |
| XM000 |
CL Maestro Intl |
| SW000 |
MaestroUK |
| XS000 |
CL Maestro UK |
| Others |
|
| AS000 |
All Star |
| AX000 |
American Express |
| BP000 |
BP Agency |
| CM000 |
CardMaster |
| CO000 |
Compower |
| CY000 |
Clydesdale |
| DC000 |
Diners Club |
| DL000 |
Dialcard |
| EF000 |
Elfin |
| FS000 |
Foreserve |
| GE000 |
GE Capital Store Crd |
| JC000 |
JCB |
| KF000 |
Keyfuels |
| LC000 |
Lombard CreditCharge |
| LE000 |
Lombard Edge |
| LY000 |
Loyalty Cards |
| OD000 |
Overdrive |
| PL000 |
Laser |
| PT000 |
Tesco (TPF) |
| SB000 |
Style Co Branded |
| SC000 |
Supercharge |
| SE000 |
Sears |
| SG000 |
Shell Gold |
| SH000 |
Shell Agency |
| SP000 |
Style Private Label |
| SY000 |
Style |
| TE000 |
Texaco Eire |
| VC000 |
Routex |
| VE000 |
Venture |
| * |
Streamline Merchant Services |
| ** |
Domestic Duality – this means that we are the acquirer. |
***
|
If you are subject to standard pricing, this category of transaction is categorised as a MasterCard Credit transaction. |
| **** |
If you are subject to standard pricing, these categories of transaction are categorised as a Commercial Card transaction. |
| ***** |
Contactless Card transactions |
Back to top
Require additional information or interested in accepting card payments? Don't hesitate, call our sales team.
see more
