SFTP Reports and File Exchanges

PayNearMe reports are organized into three distinct categories:

The Consumer/Loan Data (MAM) files manage a client’s consumer, loan, and Smart Link data.
The Transaction Reports provide detailed records for all transactions processed on our platform, including payments, scheduled payments, and returned payments.
The Reconciliation (Accounting/Finance) Files provide a detailed record of financial transactions between our bank accounts.

Understanding the Basics

Consumer/Loan Data (MAM) Files

The Master Account Management (MAM) file that clients send to PayNearMe and the return file sent back to the client deal with the ingestion and management of consumer and loan data. The primary goal is for PayNearMe to store the client's consumer/loan data and subsequently return the Smart Link URL for each record to the client via the PayNearMe return file. The Smart Link routes consumers directly to the PayNearMe Consumer Portal, enabling them to make or schedule payments. These files include the following:

Transaction Reports

These reports provide a record of every transaction processed on the PayNearMe platform. They deliver details about payments made, payments scheduled, and any returned payments that should be un-posted in your system. These reports include the following:

Reconciliation (Accounting/Finance) Reports

The audience for this set of reports is primarily the client’s Accounting and Finance team. They provide detailed records associated with the financial transactions between PayNearMe and client bank accounts, including credits to the client’s bank account(s) for consumer payments and debits from the client’s bank account(s) for refunds, returns, chargebacks, and reversals. These reports include the following: