Electronic Payment Advice (EPA) Reports
Learn how to get started with electronic payment advice reporting using the emerchantpay Genesis 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 emerchantpay Genesis gateway.
-
Log into Genesis PSP
Access the emerchantpay Genesis gateway and log into 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.
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 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 bank’s 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 cardholder’s 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 cardholder’s 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 | Customer’s first name |
| Last Name | Customer’s 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 merchant’s system |
| Type of Payment |
Specifies whether the transaction is a deposit, a balance payment, or a one-time full payment. Possible values:
|
| 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:
|
| 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 contains all the fields from the Standard EPA Report plus additional fields, particularly useful for travel, events, and supplier-based businesses. 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 |