Electronic Payment Advice (EPA) Reports

Learn how to get started with electronic payment advice reporting using the emerchantpay payment gateway.

An Electronic Payment Advice (EPA) report provides a structured, detailed summary of payment transactions processed through your payment gateway. This report simplifies financial reconciliation by offering a clear, electronic snapshot of all transactions.

Why use EPA reports?

Simplify financial reconciliation by mapping transactions to your accounting system.

Reduce reporting errors with an automated, structured overview of payments.

Gain full visibility into fees and settlements, so you always know when and how payments are processed.

Types of EPA Reports: Standard vs. Extended

You can generate two types of EPA reports, depending on your business needs.

Aspect	Standard EPA Report	Extended EPA Report
Purpose	Gives a clear, detailed overview of transactions	Businesses that need enhanced transaction details, such as travel or corporate expenses
Who should use it?	Businesses processing both online and point-of-sale transactions	Businesses using Business Attributes or Travel Data
Applicable to Card Present (CP) or Card Not Present (CNP) transactions?	Both CP and CNP transactions	Only CNP transactions
Includes Business Attributes?	No	Yes
Includes Travel Data?	No	Yes (e.g., Flight Number, Check-in Date, Vehicle Rental Dates)
Recommended for retail businesses?	Yes	Yes (if using Business Attributes or Travel Data)

How to generate and download EPA reports

Follow these steps to generate and download your EPA report from the Gateway Console.

Log in to the Gateway Console
Access the Gateway Console and log in to your account.
Go to the Billing Statements Section
In the main menu, navigate to Billing Billing Statements.
Find the Relevant Billing Statement
Locate the Billing Statement ID for the transactions you want to report.
Export the EPA Report
Click the Action button next to the selected Billing Statement ID.
Choose your preferred file format: CSV, XLS, or XML.
Download the Report
After generating the report, you will be redirected to the Exported Files page.
Click Download to save the EPA report to your device.
Access Previously Downloaded Reports
To view past reports, go to Billing Exported Files.

[info_alert_icon.svg]

If an Extended EPA report is generated without Business Attributes or Travel Data configured, an error message will appear.

Contents of Standard and Extended EPA Reports

The Standard EPA Report provides basic transaction-level details, while the Extended EPA Report includes additional fields for businesses using advanced data tracking.

Standard EPA Report Fields

The Standard EPA Report contains a set of fields that represent the basic details of each transaction. The following table explains the fields you will find in a Standard EPA Report.

Field Name	Description
Merchant	Business name as per the Merchant Service Agreement (MSA)
Terminal	The Terminal ID used for processing the transaction
Status	Status of the payment transaction (e.g., `Approved`, `Declined`)
Usage	Description of the payment transaction as provided by you
Currency	Processing currency of the transaction
Amount	Transaction amount, formatted per currency exponent
Card Holder	Name of the cardholder
Card Brand	Visa, Mastercard, AMEX, etc.
Card Number	The masked credit/debit card number
Country (Billing)	Country associated with the customer’s billing address, as provided during the transaction. This may differ from the issuing banks country.
State	State, province, or region from the billing address, applicable for countries that require this information (e.g., US, Canada, Australia).
DateTime (UTC)	Transaction timestamp in Coordinated Universal Time (UTC)
Remote/Local	Indicates whether a transaction was declined at the gateway level (`Local`) or by the acquirer or card scheme (`Remote`).
ExtendedDate (UTC)	Extended timestamp for additional reporting precision
Customer Email	Email address associated with the transaction
Merchant Number	Unique merchant identification number
BIN Country	Country of the issuing bank
Issuing Bank Name	Name of the cardholders issuing bank
Card Type	Credit or debit card type
Card Subtype	Specific subtype of the card (e.g., Business, Prepaid)
Descriptor	Text that appears on the cardholders statement
Region Class	Geographic region classification of the transaction
Merchant City	City where your business is registered
Transaction Descriptor	Additional transaction information displayed to the cardholder
IBAN / Account No	Bank account or IBAN associated with the transaction
BIC / SWIFT Code	Bank identifier code (BIC) or SWIFT code
Customer Name	Name of the customer making the payment
Funds Status	Status of funds availability in the account
Date Of Funds Status	Date when the funds status was last updated
Payment Type	Indicates the category of the transaction based on its processing stage. Common values: “`Sale`“, “`Authorize`“, “`Authorize3D`“, “`Refund`“, “`Chargeback`“, etc.
Payment Method Category	Classification of the payment method used
Account Holder	Name of the person or business holding the account
Billing Transaction ID	Unique identifier for the billing transaction
Billing Statement	Statement reference for the billing cycle
Gateway	Payment gateway through which the transaction was processed
Transaction Type	The type of billing transaction, which determines applicable fees. Common values: `"Sale Approved"`, `"Sale Declined"`, `"Chargeback"`, `"Authorization Approved"`, `"Authorization Declined"`, `"Refund Approved"`, etc.
Exchange Rate	Applied exchange rate if the transaction involves currency conversion
Billing Currency	Currency used for settlement
Billing Amount	Amount settled in the billing currency
Transaction Fee Currency	Currency in which transaction fees are charged
Transaction Fee Amount	Fee amount applied to the transaction
Commission Percent	Commission rate applied to the transaction
Commission Amount	Total commission charged
Master Account Name	Name of the master account associated with the transaction
Interchange Fee	A fee charged by card networks (Visa, Mastercard, etc.) for processing the transaction. The fee varies based on transaction type, merchant category, and card type.
Interchange Currency	Currency in which the interchange fee is charged
Scheme Fee	Fee charged by the payment network (Visa, Mastercard, etc.)
Scheme Fee Currency	Currency used for scheme fees
Standard Debit Card Rate	Standard fee rate applied to debit card transactions
First Name	Customers first name
Last Name	Customers last name
Address 1	Primary billing address line
Address 2	Secondary billing address line (if applicable)
Zip Code	Postal code of the billing address
City	City associated with the billing address
Unique ID	Unique identifier for the transaction
Merchant Transaction ID	Unique identifier assigned by the merchants system
Type of Payment	Specifies whether the transaction is a deposit, a balance payment, or a one-time full payment. Possible values: `Balance` – The transaction is a final payment in a split purchase. It completes the payment after an initial deposit was made. `Deposit` – The transaction represents an initial partial payment for a purchase. A balance payment is expected later to complete the full amount. (Empty Value) – The transaction is a one-time, full payment with no deposit or balance due.
Document ID / National ID	National identification document number (if applicable)
Auth Code	Authorisation code for the transaction
GST Amount	Amount of Goods and Services Tax (GST) applied
GST Rate	Tax rate applied for GST calculations
VAT Amount	Amount of Value Added Tax (VAT) applied
VAT Rate	Tax rate applied for VAT calculations
Settlement Billing Statement	Billing statement reference for settlement transactions
Settlement Status	Indicates whether a transaction has been settled or is pending settlement. Possible values: `Delayed` The transaction will be settled in a future billing statement (funds are held). `Balance` The transaction was previously delayed and is now being settled. (Empty value) The transaction was both initiated and settled within the same billing statement.
Settlement Date	Date when the transaction was settled
Value Date	Date when funds are credited to your account
Reference ID	Identifies the original transaction associated with this payment (e.g., the `sale` related to a `refund` or `chargeback` transaction)

Extended EPA Report Additional Fields

The Extended EPA Report provides additional fields that are particularly useful for businesses handling advanced transaction data, such as those in travel, events, and supplier-based sectors. The following table explains the fields you will find in an Extended EPA Report.

Field Name	Description
Event Start Date	Start date of an event (for event-based transactions)
Event End Date	End date of an event
Event Organizer ID	Unique identifier for the event organizer
Event ID	Unique identifier for the event itself
Date of Order	Date when the transaction was placed
Delivery Date	Scheduled delivery date for a product or service
Name of Supplier/Contractor	Name of the supplier or contractor
Check-in Date	Hotel or accommodation check-in date
Check-out Date	Hotel or accommodation check-out date
Travel Agency Name	Name of the travel agency processing the transaction
Cruise Start Date	Start date of a cruise booking
Cruise End Date	End date of a cruise booking
Supplier Name	Name of the supplier involved in the transaction
Vehicle Pick-Up Date	Date when a rental vehicle is picked up
Vehicle Return Date	Date when a rental vehicle is returned
Arrival Date	Flight arrival date
Departure Date	Flight departure date
Carrier Code	Code of the airline or travel carrier
Flight Number	Flight number for the transaction
Ticket Number	Ticket number for airline bookings
Origin City	City where the travel journey starts
Destination City	City where the travel journey ends
Travel Operator	Name of the travel operator
Contractor Name	Name of the contractor involved in the transaction
ATOL Certificate	Certificate required for regulated travel bookings

For a visual walkthrough of related processes, you can refer to the emerchantpay YouTube channel’s video guides, covering topics like viewing billing transactions, generating reports, and more.

Was this page helpful?