Itemized Reporting
The itemized version of our standard end-of-day reports provides a detailed breakdown of each transaction and is particularly useful when multiple transactions are bundled together in a single batch, especially in ACH payment rails like US-ACH, SEPA & BACS.
Use Case:
For the above use case, the samples would be as follows:
Standard version
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02">
<BkToCstmrStmt>
<GrpHdr>
<Stmt>
<Acct>
<Bal>
<Bal>
<Bal>
<Bal>
<TxsSummry>
<Ntry>
...
<Amt Ccy="USD">400.00</Amt> <!-- Ntry block corresponding to batch 1 -->
...
</Ntry>
<Ntry>
...
<Amt Ccy="USD">210.00</Amt> <!-- Ntry block corresponding to batch 2 -->
...
</Ntry>
</Stmt>
</BkToCstmrStmt>
</Document>Itemized version
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.02">
<BkToCstmrStmt>
<GrpHdr>
<Stmt>
<Acct>
<Bal>
<Bal>
<Bal>
<Bal>
<TxsSummry>
<Ntry>
...
<Amt Ccy="USD">50.00</Amt> <!-- Ntry block corresponding to transaction 1 -->
...
</Ntry>
<Ntry>
...
<Amt Ccy="USD">150.00</Amt> <!-- Ntry block corresponding to transaction 2 -->
...
</Ntry>
<Ntry>
...
<Amt Ccy="USD">200.00</Amt> <!-- Ntry block corresponding to transaction 3 -->
...
</Ntry>
<Ntry>
...
<Amt Ccy="USD">10.00</Amt> <!-- Ntry block corresponding to transaction 4 -->
...
</Ntry>
<Ntry>
...
<Amt Ccy="USD">200.00</Amt> <!-- Ntry block corresponding to transaction 5 -->
...
</Ntry>
</Stmt>
</BkToCstmrStmt>
</Document>Interpretation
The total of 5 NACHA payments sent by client have been bundled in 2 batches of $30 and $40 respectively. Therefore, the client account will show 2 debits for processing these 5 transactions.
The standard CAMT.053 shown above populates the transactions as per account posting, displaying 2 debit entries of $30 & $40,respectively.
The itemized transaction report populates the breakdown of each of the debit entries displaying 5 entries as per the figure above.
For the full itemized sample reports, please refer below:
| Report Type | Link |
|---|---|
| CAMT.053 | Link |
| MT940 | Link |
| BAI2 | Link |
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