Daily Payments Report

The Daily Payments report provides a detailed record of all transactions processed on the PayNearMe platform since the last Daily Payments report was generated. The Daily Payments report’s primary purpose is to provide the data with which you can validate that all transactions for the day have been recorded and accounted for.

Each record contains:

Customer Identification: Includes the customer number, name, email, and phone.
Transaction Details: The unique PayNearMe Payment Identifier, along with the precise date and time of the transaction. The Unique PayNearMe Payment Identifier is the value the client should use to tie a given payment to any potential reversal of that payment at some point in the future, as this value will also be included with each record of the Returned Payments report.
Fee Breakdown: Financial details, including the total amount paid, any consumer or embedded fees, and the amount that should be posted to the consumer’s loan account.
Payment Type/Channel: Specifies the origin of the payment, whether it was scheduled vs immediate and the payment method (ACH, debit, cash, PayPal, etc.).

Filename and Extension

Naming convention: PNM_Daily_Payments_for_MM_DD_YYYY.txt
Delimited: Pipe

Timing

Frequency: Daily
Time of Day: TBD

SFTP Details

Host: sftp://files.paynearme.com
Username: shared separately
Password: shared separately
Sandbox Path: /reports/sandbox
Production Path: /reports/production
Port: 22

File Data Specifications

Column	Column Headers	Description	Possible Values	Sample Value
0	`CustNum`	Unique Client Generated Customer/Loan ID (`CustNum` in MAM file)	Integer(7-10 digits)	`24973734`
1	`Name`	Borrower Name	VARCHAR(255)	`Jane Jones`
2	`Email`	Borrower Email	VARCHAR(255) Valid Email	[email protected]
3	`Phone`	Borrower Phone	Integer(10 digits)	`5555551212`
4	`Retailer ZipCode`	If cash payment, the ZIP Code of the Retailer location where the payment was made	Integer(5 digits)	`94115`
5	`Order/Auth ID`	Unique PayNearMe-generated Consumer Record ID (also referred to as the PayNearMe Order Identifier`)	Integer(13 digits)	`6900197065841`
6	`Payment Date`	Date the payment was made	Date(YYYY-MM-DD)	`2023-10-16`
7	`Payment Time`	Time the payment was made (Pacific Time)	DateTime(HH:MM:SS Z)	`07:55:27 PDT`
8	`Total Amount`	Total Payment Amount	Decimal(6,2)	`203.99`
9	`Consumer Fee`	Exposed fee paid by the consumer	Decimal(6,2)	`3.99`
10	`Embedded Fee`	Embedded Fee paid by Client	Decimal(6,2)	`1.99`
11	`Net Payment`	The net payment amount that should be posted to the Consumer’s Loan Account	Decimal(6,2)	`200`
12	`PNM Payment Identifier`	Unique Payment/Transaction ID (also referred to as the PayNearMe Transaction Identifier)	Integer(10-12 digits)	`990024173001`
13	`Payment Origin`	Identifies the PNM system that triggered the payment. Immediate = `cf` Scheduled = `auto_pay` Agent = `pnm_now`	`cf` `auto_pay` `pnm_now` `api` `retailer`	`cf`
14	`Schedule Duration`	The type of Schedule created. `Once` refers to one-time, future-dated payment.	`once` `weekly` `biweekly` `monthly` `twice_monthly` `end_of_month` `paid_in_full` `due_date_monthly`	`once`
15	`Payment Method`	The Payment Type	`ach` `apple_pay` `cash` `cash_app` `credit` `debit` `gpay` `paypal` `pin4` `venmo`	`debit`
16	`Branded Payment Method`	Branded Payment Type	`debit` `gpay` `apple_pay` `ach` `paypal` `venmo` `7_eleven_cash` `cvs_cash` `walmart_cash` `walgreens_cash` `dollar_general_cash` `caseys_cash`	`paypal`
17	`Payment Channel`	Indicates the source of the transaction	`consumer` `consumer_recurring` `consumer_ivr` `agent` `agent_recurring` `agent_waived` `api`	`consumer`
18	`Schedule Type`	If the transaction was scheduled, this indicates whether it was a single, future-dated payment or part of a recurring autopay schedule	`scheduled_one_time` `scheduled_recurring`	`scheduled_one_time`
19	`Agent Name`	Name of the Agent who took the Consumer’s payment	VARCHAR(255)	`Jane Jones`
20	`Agent Email`	Email of the Agent who took the Consumer’s payment	VARCHAR(255) Valid Email	[email protected]
21	`Payer Type`	Payer Type collected from a dropdown on the ‘Make Payment’ screen in Consumer Portal.	`borrower` `coborrower` `thirdparty`	`borrower`
22	`Payer Name`	Payer Name collected from field on the ‘Make Payment’ screen in Consumer Portal.	VARCHAR(255)	`Jane Jones`
23	`Brand Name`	The Brand that is associated with the consumer record and payment	VARCHAR(255)	`Brand1`
24	`Loan Origination State`	The State the Loan originated in	VARCHAR(2)	`CA`
25	`Direct Indicator`	Specifies Direct Loan or Indirect Loan	`D` `I`	`D`
26	`SmartLink Source`	A Client generated value used to identify the source of a given Smart Link that is sent to or rendered to a Consumer	VARCHAR(32)	`web`

Daily Scheduled Payments Report

The Scheduled Payments report provides a daily bulk reporting of all payment schedules that consumers have created or canceled on our platform since the previous Scheduled Payments report was generated.

Each record contains:

Customer Information: Includes the customer's account number, name, email, and phone.
Schedule Details: The current status of the autopay (whether it's Active, Complete or User Suspended/Canceled), its frequency, the upcoming payment date, the amount to be paid, and the payment source. Additionally, the tender type (such as ACH or debit) and the origin of the schedule (e.g., consumer) are included.

Filename and Extension

Naming convention: PNM_AutoPay_Schedules_for_MM_DD_YYYY.txt
Delimited: Pipe

Timing

Frequency: Daily
Time of Day: TBD

SFTP Details

Host: sftp://files.paynearme.com
Username: shared separately
Password: shared separately
Sandbox Path: /reports/sandbox
Production Path: /reports/production
Port: 22

File Data Specifications

Column	Column Header	Description	Possible Values	Sample Value
0	`CustNum`	Unique Customer Account Number	Integer(7-10 digits)	`9237423`
1	`Customer Name`	Borrower Name	VARCHAR(255)	`Jane Jones`
2	`Autopay Status`	Status of the Autopay	`active` `user_suspended` `pending disabled` `complete`	`Active`
3	`Autopay Frequency`	Frequency of the Autopay	`once` `weekly` `biweekly` `monthly` `twice_monthly` `end_of_month` `paid_in_full` `due_date_monthly`	`Once`
4	`Autopay Next Payment Date`	The next payment date for Autopay	Date(YYYY-MM-DD)	`2023-10-20`
5	`Autopay Payment Amount`	Amount of the Autopay	Decimal(6,2)	`100`
6	`Autopay Payment Source`	Source of the Autopay Payment	VARCHAR(255)	`Debit Card 9998`
7	`Tender Type`	Payment Tender Type	`ach` `apple_pay` `credit` `debit` `gpay` `paypal` `venmo`	`ach`
8	`Origin`	Source of AutoPay schedule `import` = data import `merchant` = agent	`consumer` `import` `merchant` `api`	`consumer`
9	`Autopay Agent Name`	Name of the Agent who set up the Autopay	VARCHAR(255)	`John Smith`
10	`Autopay Agent Email`	Email of the Agent who set up the Autopay	VARCHAR(255) Valid Email	[email protected]
11	`Autopay Contact`	Contact number associated with the Autopay	Integer(10 digits)	`5555551212`
12	`Autopay Duration Type`	Type of duration set for the Autopay	`once` `paid_in_full` `indefinite` `number_of_recurrences` `end_date`	`once`
13	`Autopay Start Date`	Starting date of the Autopay	Date(YYYY-MM-DD)	`2023-10-20`
14	`Autopay End Date`	Ending date of the Autopay (only recurring). For one-time future dated payments will be blank	Date(YYYY-MM-DD)	`2023-10-20`
15	`Autopay Completed`	Number of completed payments in the Autopay	Integer(1-3 digits)	`0`
16	`Autopay Planned`	Number of planned payments in the Autopay (only recurring). For one-time future dated payments will be blank	Integer(1-3 digits)	`1`
17	`Created Date`	Date the Autopay was created	Date(YYYY-MM-DD)	`2023-10-10`
18	`Canceled Date`	Date the Autopay was canceled (if applicable)	Date(YYYY-MM-DD)	`2023-10-10`
19	`Schedule ID`	Unique Schedule Identifier	Integer(15 digits)	`971193797205701`
20	`Brand Name`	The Brand that is associated with the consumer record and payment	VARCHAR(255)	`Brand1`

Daily AutoPay Results Report

The Daily AutoPay Results report provides the detailed outcomes of all scheduled payments processed for that day. This report solely focuses on payments pre-scheduled for the date the report is generated on and does not include immediate, unscheduled one-time payments. The successful payments will also be included in the Daily Payments report as that file includes ALL successful payments.

Each record contains:

Customer Identification: Includes the customer number
Payment Outcome: Denotes payment results, such as "paid", "unpaid", "unusable", etc.
Transaction Details: The unique PayNearMe Payment Identifier, along with the precise date and time of the transaction. The Unique PayNearMe Payment Identifier is the value you should use to tie a given payment to any potential reversal of that payment at some point in the future, as this value will also be included with each record of the Returned Payments Report.
Fee Breakdown: Financial details, including the total amount paid, any consumer or embedded fees, and the amount that should be posted to the Consumer’s loan account.
Payment Type: ACH, debit, credit, Apple Pay, Google Pay

Filename and Extension

Naming convention: PNM_AutoPay_Results_for_MM_DD_YYYY.txt
Delimited: Pipe

Timing

Frequency: Daily
Time of Day: TBD

SFTP Details

Host: sftp://files.paynearme.com
Username: shared separately
Password: shared separately
Sandbox Path: /reports/sandbox
Production Path: /reports/production
Port: 22

File Data Specifications

Column	Column Header	Description	Possible Values	Sample Value
0	`CustNum`	Unique Customer/Loan ID (`CustNum` in MAM file)	Integer(7-10 digits)	`24973734`
1	`Schedule ID`	Unique Schedule Identifier	Integer(15 digits)	`971193797205701`
2	`Processing Start`	The Date and Time the payment was processed	DateTime(YYYY-MM-DD HH:MM:SS Z)	`2020-05-14 07:00:00 PT`
3	`Processing State`	The outcome of the attempted transaction	`paid` `unpaid` `unusable` `unpayable` `inactive`	`paid`
4	`Payment Decline Reason`	The reason the payment was declined (if declined)	VARCHAR(255)	`There are insufficient funds on this card to complete this payment (1051)`
5	`Next Scheduled Payment Date`	The next payment date for Autopay	Date(YYYY-MM-DD)	`2023-10-20`
6	`Schedule Duration`	The type of Schedule created. `Once` refers to a one-time future-dated payment.	`once` `paid_in_full` `indefinite` `number_of_recurrences` `end_date`	`once`
7	`PNM Payment Identifier`	Unique Payment/Transaction ID (also referred to as `pnm_payment_identifier`)	Integer(10-12 digits)	`990024173001`
8	`Payment Date`	Date the payment was originally made	Date(YYYY-MM-DD)	`2023-09-23`
9	`Total Payment Amount`	Total Payment Amount		`203.99`
10	`Consumer Fee`	Exposed fee paid by the consumer	Decimal(6,2)	`3.99`
11	`Net Customer Payment Amount`	The net payment amount that should be posted to the Consumer’s Loan Account	Decimal(6,2)	`200`

Daily Returned Payments Report

The Returned Payments report contains records of payments that have subsequently been Returned (ACH), Reversed (ACH), Charged-back (Debit/Credit), Canceled, or Refunded. Its primary objective is to trigger the un-posting of payments in your system. This is crucial because either the funds from the original payment will be debited from your bank account, or in instances like canceled transactions where funds haven't settled, the payment will just be nullified. Be aware that the data in this report is simply batched duplicate records of the Reversal notifications you'll receive through the Reverse Callback. This report's primary purpose is to provide data you can use to validate that all reversals for the day have been recorded and accounted for.

Each record contains:

Transaction Details: The unique PayNearMe Payment Identifier, along with the precise date and time of the original transaction. The Unique PayNearMe Payment Identifier is the value you should use to tie a transaction in this report to the original payment. Along with the amount associated with the returned transaction.
Return Details: Specifies the type of return (ACH, Debit, Credit), the specific return code (R01-R35), and the current status of the return (Open, Completed, Returned).

Filename and Extension

Naming convention: PNM_Returned_Payments_for_MM_DD_YYYY.txt
Delimited: Pipe

Timing

Frequency: Daily
Time of Day: TBD

SFTP Details:

Host: sftp://files.paynearme.com
Username: shared separately
Password: shared separately
Sandbox Path: /reports/sandbox
Production Path: /reports/production
Port: 22

File Data Specifications

Column	Column Header	Description	Possible Values	Sample Value
0	`CustNum`	Unique Customer Account Number	Integer(7-10 digits)	`9237423`
1	`Payment Date`	Date the payment was originally made	Date(YYYY-MM-DD)	`2023-09-23`
2	`Payment Time`	Time the payment was originally made (Pacific Time)	DateTime(HH:MM:SS Z)	`13:53:08 PDT`
3	`PNM Payment Identifier`	Unique Payment/Transaction ID (also referred to as PNM Transaction Identifier)	Integer(10-12 digits)	`990024173001`
4	`Payment Amount`	Amount associated with the returned transaction. Should match amount of initial payment unless partial refunds are enabled	Decimal(6,2)	`125.99`
5	`Return Type`	Original Generic Payment Type	`ACH` `Debit` `Credit`	`ACH`
6	`Return Date`	Date when the reversal action took place	Date(YYYY-MM-DD)	`2023-10-16`
7	`Return Code`	Specific return code indicating the reason for return	`Canceled` `Chargeback` `Refunded` `R01-R35`	`Returned`
8	`Return Status`	Current status of the return	`Open` `Completed` `Returned`	`Returned`
9	`Brand Name`	The Brand that is associated with the consumer record and payment	VARCHAR(255)	`Brand1`
10	`Agent Name`	The Name of the Agent that refunded or canceled the payment	VARCHAR(255)	`Jane Jones`
11	`Agent Email`	The Email Address of the Agent that refunded or canceled the payment	VARCHAR(255) Valid Email	[email protected]