About accounting reports

Dock makes available a variety of information so that issuers are able to feed it to their accounting systems (such as SAP, TOTVS) and manage it.

This information is available by using some files and reports that are categorized into:

  • Analytical: Open per account ID, more detailed information.
  • Synthetic: Containing the total amount of the transactions.

We provide more details on the following items.


Synthetic file – accounting interface

The accounting interface is a daily processing synthetic file. It has a preset layout containing all transactions occurred on the date of that movement. They’re grouped by debit, credit and amount.

See the available layouts.


Synthetic report – daily wallet

It contains transactional information on each date of movement, grouped by transaction category and divided by balance mode. You can also view the accrued balance on dates of previous movements, which allows you to see the final balance of the issuer’s total wallet.
This report can be used specially for matching amounts in regulatory files, such as the documents 3040 and 3050, as detailed in About regulatory reports .


Analytical – wallet report

It enables the issuer to identify the cardholders for a certain transaction. You can have them identified by using filters applied to the report.


Balance modes

Balance modes are defined according to the cardholders’ financial movements. Based on them, a status is defined by following the rules set by Dock so that you can understand what happened in each transaction.

Credit Balance: Sum of the cardholders’ credit balances;

Financed Balance: Sum of the holders’ due balances in a normal wallet due to overdue payment or minimum payment on the statement’s due date.

Checking Balance: Sum of due and open transactions for ranked cardholders in a normal wallet;

Future Balance in Installments, No Interests: Sum of purchases in installments from a retailer that were not posted for ranked cardholders in a normal wallet;

Future Balance in Installments, with Interests: Sum of purchases in installments from an issuer that were not posted for ranked cardholders in a normal wallet;

Future Interest Balance: Sum of interest balances (unearned revenue) on purchases in installments from an issuer that haven’t been earned;

Creliq Balance: Sum of due balances for ranked cardholders that are more than 60 days or less than 360 days overdue;

Agreement Balance: Sum of due balances for cardholders that have negotiated the debt at Creliq;

Loss Balance: Sum of due balances for ranked cardholders that are more than 360 days overdue;

Balance under Analysis: Sum of disputed transactions under dispute or analysis;

Future Balance – Withdrawal, Rotative Credit, Charges: Sum of interest balances (unearned revenues) on the rotating balance that hasn’t been earned.


Support – accounting movement

It shows the summary of credit and debit movements for the issuer’s accounting accounts. It is grouped by transaction category (such as purchase, withdrawal, Tax on Financial Operations) and divided by debit and credit. Ultimately, it enables you to get the total balance for movements on that day.


Synthetic – ledger report

The ledger report, which is sent in an Excel file, is a transaction-oriented support that enables the issuer to handle data that has been sent. The same information found in the interface needs to be found in the ledger report.

Differences:

  • Accounting Interface File: In .txt extension and no visual formatting, it is commonly used for importing into the issuer’s accounting systems.
  • Ledger Report: In .xls format, it has visual formatting, thus making analyses easier.

IOF

Tax on Financial Operations (“Imposto sobre Operações Financeiras” – IOF) is a federal tax incurring in operations for credit, currency exchange, insurance and actions related to property titles. It is paid both by legal persons and natural persons and designed to be a regulatory instrument for the economy. By collecting this tax, the government is able to determine the credit demand and supply in Brazil.

Dock also makes available information on the IOF amount for issuers. The report shows each operation category and the tax amount on each of them, such as purchase, rotating credit and installment.

  • Analytical – Calculation of IOF report:This file shows all cardholders that have made a purchase in installments with interests or loans by informing the IOF on the installments with interests.

  • Analytical – Rotating IOF report: In this report, you can check all cardholders that have had a rotating IOF collection or refund.


Analytical – bank/cardholder payment report

Analytical report by cardholders, based on credit card statement payments that have been made. This report allows you to identify the total amount of payments per account ID by dividing each one per person and summing all their payments (valid, Creliq and completed).


Analytical – wallet transactions report

It allows you to identify cardholders that have had movements in any specific transaction.


Analytical – cardholders for loss posting report

It is a compiled file for all cardholders showing payments that are more than 260 days overdue for the financial institution or 180 days overdue for the credit card network.


Analytical – credit balance report

Report showing all balances for prepaid movements, with a credit balance available for usage.

Examples of acquirer customers:

1 – The cardholder has a prepaid card. They will need to load it for usage in order to have a limit for this card.
2 – When a cardholder makes a payment that is above the statement, it generates a credit balance.


Synthetic – CNAB import report

Learn more about CNAB.


Synthetic – CADOC 3040 synthetic report

The CADOC 3040 report consists of a synthetic data summary of credit operations that are reported monthly to the Risk Center at the BACEN (Central Bank of Brazil). It does not show cardholder information, but it does show the available limit for the issuer to enable for their customers.


Examples of accounting flow by type of transaction

Transaction

188801000001

499920000010

Upfront purchase (card brand)

Checking balance

Card brand

Purchase amount

R$ 50,00

-R$ 50,00

Transaction

188801000001

188801000002

499920000010

499920000012

In installments, no interests (card brand)

Checking balance

Balance in installments, no interests

Card brand

Stock installment retailer

Contract amount

R$ 300,00

-R$ 300,00

Installments amount

R$ 100,00

-R$ 100,00

Installment confirmation

-R$ 100,00

R$ 100,00

Installments amount

R$ 100,00

-R$ 300,00

Transaction

499920000010

161200000005

161200000006

491101000001

188801000001

309211000004

909210000004

711050000004

In installments, with interests (card brand)

Card brand

Future balance in installments with interest

Future balance with interests

IOF

Checking balance

Revenue compensation

Revenue compensation

Financing charges

Contract amount

R$ 244,56

R$ 244,56

Interest amount

R$ 15,61

-R$ 15,61

IOF amount

R$ 1,71

Installment with interest – due date

-R$ 122,28

-R$ 1,71

Interest earned monthly

R$ 9,70

R$ 122,28

R$ 9,70

R$ 9,70

-R$ 9,70

Interest earned monthly

R$ 4,20

R$ 4,20

-R$ 4,20

-R$ 4,20

Transaction

188801000001

499920000007

491101000001

Foreign Purchase

Checking balance

Checking balance

IOF

Foreign Purchase (card brand)

R$ 200,00

-R$ 200,00

IOF Foreign Transactions

R$ 13,00

-R$ 13,00

Transaction

161202500005

499920000007

491101000001

188801000001

Outside outhease

Future balance cashout

Card brand

IOF

Checking balance

Exterior outhease

R$ 400,00

-R$ 400,00

Exterior Outhease (card brand)

-R$ 10,00

R$ 10,00

Transaction

161202500005

499920000010

491101000001

161202500006

711050000004

National Outing

Future balance cashout

Card brand

IOF

Future interest balance

Revenue interest on outof the off

Contractual value of comatotal (card brand)

R$ 253,00

-R$ 253,00

Interest amount of payment (card brand)

R$ 53,00

-R$ 53,00

IOF value of saque (card brand)

-R$ 3,00

R$ 3,00

Monthly interest amount of payment (card brand)

R$ 50,00

-R$ 50,00

Transaction

188801000001

188920000068

499920000002

717990000001

Purchase PL

Checking balance

Transt. processing purchase

Accounts payable shopkeeper

Shopkeeper service commission

Cash purchase without interest

R$ 160,00

-R$ 160,00

Spot sale without interest

R$ 160,00

-R$ 160,00

Commissions

R$ 3,00

-R$ 3,00


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