Settled
Rp 7,28M
Total Settlement Hari Ini
3.847 transaksi · 7 Mar 2026 · 23:55 WIB
Match 99.2%
Rp 7,23M
Rekonsiliasi Cocok (T+1)
3.817 transaksi cocok dari 3.847
3 item
Rp 53.000
Discrepancy
30 transaksi perlu investigasi
10 Hari
10
Settlement Berturut-turut
Streak match rekonsiliasi ≥ 99%
Settlement Pipeline — 7 Maret 2026
✓ Semua langkah selesai
Aggregate
23:55:00
→
Generate File
23:55:12
→
SFTP Upload
23:55:38
→
Notif Email
23:55:41
→
Rekon T+1
08:15:22
→
Complete
08:15:25
Revenue per Acquirer — 30 Hari
Accumulated settlement per channel
Breakdown Hari Ini
QRIS Tap
Rp 3,24M
1.712 transaksi · MDR 0%
Visa PayWave
Rp 2,21M
891 transaksi · MDR 0.15%
Mastercard
Rp 0,98M
412 transaksi · MDR 0.15%
Google Pay
Rp 0,61M
298 transaksi · MDR 0%
Apple Pay
Rp 0,24M
134 transaksi · MDR 0%
Riwayat Rekonsiliasi (7 Hari)
TANGGAL
ACQUIRER
INTERNAL
BANK
STATUS
7 Mar
QRIS BI / BRI
Rp 3,24M
Rp 3,24M
✓ Match
7 Mar
Visa / BCA
Rp 2,21M
Rp 2,21M
✓ Match
6 Mar
Mastercard / Mandiri
Rp 1,02M
Rp 0,98M
! Rp 40K diff
6 Mar
QRIS BI / BRI
Rp 3,11M
Rp 3,11M
✓ Match
5 Mar
Visa / BCA
Rp 2,08M
Rp 2,08M
✓ Match
5 Mar
Google Pay / BCA
Rp 0,58M
Rp 0,58M
✓ Match
Discrepancy — Perlu Investigasi
3 item
-Rp 40.000
6 Mar · Mastercard/Mandiri · Selisih negatif
Internal: Rp 1,02M | Bank: Rp 0,98M
Internal: Rp 1,02M | Bank: Rp 0,98M
8 transaksi
4 Mar · QRIS/BRI · Timeout response saat peak
Belum dikonfirmasi di sisi bank
Belum dikonfirmasi di sisi bank
+Rp 13.000
3 Mar · Visa/BCA · Kelebihan transfer
Perlu dikembalikan ke bank
Perlu dikembalikan ke bank
File Settlement Hari Ini
| File | Acquirer | Ukuran | Status |
|---|---|---|---|
| settle_20260307_qris.csv | BI / BRI | 284 KB | Uploaded ✓ |
| settle_20260307_visa.csv | Visa / BCA | 178 KB | Uploaded ✓ |
| settle_20260307_mc.csv | Mastercard | 98 KB | Uploaded ✓ |
Riwayat Settlement
Histori settlement 30 hari terakhir
30
Hari Settlement
100% success rate
Rp 218M
Total 30 Hari
Semua acquirer
99.4%
Avg Match Rate
Rekonsiliasi T+1
Rp 142K
Total Discrepancy
5 kejadian · 3 resolved
| Tanggal | Total Transaksi | Total Amount | QRIS | Visa | MC | GPay | Match Rate | Status |
|---|---|---|---|---|---|---|---|---|
| 8 Mar 2026 | 4.021 | Rp 7,81M | Rp 3,48M | Rp 2,33M | Rp 1,04M | Rp 0,96M | 99.5% | Settled |
| 7 Mar 2026 | 3.847 | Rp 7,28M | Rp 3,24M | Rp 2,21M | Rp 0,98M | Rp 0,85M | 99.2% | Settled |
| 6 Mar 2026 | 3.921 | Rp 7,43M | Rp 3,11M | Rp 2,18M | Rp 1,02M | Rp 1,12M | 97.8% | Discrepancy |
| 5 Mar 2026 | 3.634 | Rp 6,92M | Rp 3,08M | Rp 2,08M | Rp 0,92M | Rp 0,84M | 99.7% | Settled |
| 4 Mar 2026 | 3.812 | Rp 7,14M | Rp 3,19M | Rp 2,15M | Rp 0,97M | Rp 0,83M | 99.4% | Settled |
| 3 Mar 2026 | 3.541 | Rp 6,71M | Rp 2,99M | Rp 2,02M | Rp 0,88M | Rp 0,82M | 99.8% | Settled |
| 2 Mar 2026 | 2.198 | Rp 4,12M | Rp 1,84M | Rp 1,24M | Rp 0,54M | Rp 0,50M | 99.9% | Settled |
Rekonsiliasi T+1
Pencocokan data internal AFC vs data bank acquirer keesokan harinya
3.817
Transaksi Cocok
7 Mar 2026 · T+1 selesai
30
Pending Cocok
Menunggu konfirmasi bank
3
Discrepancy
Butuh investigasi manual
99.2%
Match Rate
Target ≥ 99%
Alur Rekonsiliasi T+1
Ambil Data Internal
08:00 WIB
→
Terima File Bank
08:10 WIB
→
Matching Engine
08:15 WIB
→
Deteksi Discrepancy
08:15 WIB
→
Notifikasi
08:16 WIB
→
Laporan Final
08:17 WIB
Detail Rekonsiliasi — 7 Mar 2026
| Acquirer | Tx Internal | Amount Internal | Tx Bank | Amount Bank | Selisih | Status |
|---|---|---|---|---|---|---|
| QRIS / BRI | 1.712 | Rp 3.240.000 | 1.712 | Rp 3.240.000 | Rp 0 | Match |
| Visa / BCA | 891 | Rp 2.210.000 | 891 | Rp 2.210.000 | Rp 0 | Match |
| MC / Mandiri | 412 | Rp 980.000 | 408 | Rp 940.000 | -Rp 40.000 | Discrepancy |
| Google Pay | 298 | Rp 610.000 | 298 | Rp 610.000 | Rp 0 | Match |
| Apple Pay | 134 | Rp 240.000 | 134 | Rp 240.000 | Rp 0 | Match |
Discrepancy Management
Selisih antara data internal AFC dan bank acquirer yang butuh investigasi
3
Aktif (Bulan Ini)
Rp 53K
Total Selisih Aktif
7
Resolved Bulan Ini
2.1 hari
Avg Waktu Resolve
| ID | Tanggal | Acquirer | Tipe | Amount Selisih | Akar Masalah | Status | Aksi |
|---|---|---|---|---|---|---|---|
| DISC-024 | 6 Mar 2026 | MC / Mandiri | Kekurangan | -Rp 40.000 | 4 transaksi timeout, reversal di bank tidak match | Investigasi | |
| DISC-023 | 4 Mar 2026 | QRIS / BRI | Pending | 8 transaksi | Timeout saat peak hour, belum dikonfirmasi bank | Pending Bank | |
| DISC-022 | 3 Mar 2026 | Visa / BCA | Kelebihan | +Rp 13.000 | Kelebihan transfer dari bank, proses retur | Proses Retur | |
| DISC-021 | 28 Feb 2026 | MC / Mandiri | Kekurangan | Rp 0 (resolved) | Batch reversal terlambat — sudah di-settle hari berikutnya | Resolved | |
| DISC-020 | 25 Feb 2026 | QRIS / BRI | Kekurangan | Rp 0 (resolved) | Transaksi duplikat dibalikkan oleh bank secara otomatis | Resolved |
Settlement QRIS Tap / Bank Indonesia
MDR 0% · Acquirer: BRI · Cycle: T+0 real-time + T+1 batch
Rp 3,24M
Settlement Hari Ini
1.712 transaksi
0%
MDR
Kebijakan Bank Indonesia
Rp 3,24M
Net ke KCI
Tanpa potongan biaya
99.9%
Match Rate
T+1 vs BRI
QRIS Settlement 30 Hari
Ketentuan QRIS Tap Settlement
Siklus Settlement
T+0 real-time untuk konfirmasi tap. T+1 batch settlement ke bank BRI setiap pukul 23:55 WIB.
MDR & Biaya
MDR 0% sesuai kebijakan Bank Indonesia untuk QRIS Tap transit. Tidak ada biaya switching.
Format File
CSV standar QRIS BI. Dikirim via SFTP ke BRI setiap tengah malam. ACK dalam 2 jam.
Settlement Visa PayWave / BCA
MDR 0.15% · Acquirer: BCA · Cycle: T+1
Rp 2,21M
Gross Settlement
891 transaksi
Rp 3.315
MDR (0.15%)
Potongan Visa/BCA
Rp 2,207M
Net ke KCI
Setelah potongan MDR
99.4%
Match Rate T+1
vs BCA
Visa Settlement 30 Hari
Settlement Mastercard / Bank Mandiri
MDR 0.15% · Acquirer: Mandiri · Cycle: T+1
Rp 0,98M
Gross Settlement
412 transaksi
Rp 1.470
MDR (0.15%)
Rp 0,978M
Net ke KCI
97.8%
Match Rate
Ada discrepancy aktif
Discrepancy Aktif: DISC-024
Selisih -Rp 40.000 dengan Mandiri pada 6 Maret 2026. 4 transaksi timeout belum di-reversal.
Settlement Google Pay / BCA
MDR 0% (subsidi Google) · Acquirer: BCA · Cycle: T+1
Rp 0,61M
Settlement Hari Ini
298 transaksi
0%
MDR Efektif
Subsidi Google
Rp 0,61M
Net ke KCI
100%
Match Rate T+1
Ketentuan Google Pay Settlement
MDR Handling
Google Pay menanggung biaya MDR sebagai strategi penetrasi pasar. Berlaku selama periode promosi (s.d. Des 2026).
Alur Settlement
Google → BCA (tokenized) → AFC. File settlement dikirim dalam format ISO 8583 via SFTP BCA setiap T+1.
Settlement Apple Pay / BCA
MDR 0% (periode promosi) · Acquirer: BCA · Cycle: T+1
Rp 0,24M
Settlement Hari Ini
134 transaksi
0%
MDR Efektif
Periode promosi s.d. Jun 2026
Rp 0,24M
Net ke KCI
100%
Match Rate T+1
Apple Pay via Secure Element
Apple Pay menggunakan Secure Element (SE) — berbeda dengan Android HCE. Token dibuat di Secure Enclave iPhone. Settlement via Visa/MC yang sudah ter-enroll di Apple Wallet.
Daily Settlement Summary
Laporan harian settlement — dikirim otomatis pukul 08:30 WIB
Daily Settlement Report
8 Maret 2026 — Generated: 09 Mar 08:30 WIB
✓ SETTLED
4.021
Total Transaksi
Rp 7,81M
Gross Amount
Rp 4.786
Total MDR
Rp 7,805M
Net ke KCI
| Acquirer | Transaksi | Gross | MDR | Net | Status |
|---|---|---|---|---|---|
| QRIS / BRI | 1.784 | Rp 3,48M | Rp 0 | Rp 3,48M | ✓ Settled |
| Visa / BCA | 946 | Rp 2,33M | Rp 3.495 | Rp 2,327M | ✓ Settled |
| MC / Mandiri | 437 | Rp 1,04M | Rp 1.560 | Rp 1,038M | ✓ Settled |
| Google Pay | 523 | Rp 0,96M | Rp 0 | Rp 0,96M | ✓ Settled |
| Total | 3.690 | Rp 7,81M | Rp 5.055 | Rp 7,805M | ✓ All Clear |
Monthly Settlement Summary
Rekap bulanan settlement & rekonsiliasi
Rp 58,4M
Total Feb 2026
28 hari settlement
99.7%
Avg Match Rate
Terbaik sejak launch
Rp 89K
Total Discrepancy
4 kejadian · semua resolved
Rp 58,34M
Net Diterima KCI
Setelah MDR
Monthly Trend — 6 Bulan
Rekap per Bulan
| Bulan | Total | Match% | Disc |
|---|---|---|---|
| Mar 2026 | Rp 7,81M | 99.5% | 3 |
| Feb 2026 | Rp 58,4M | 99.7% | 4 |
| Jan 2026 | Rp 54,2M | 99.4% | 6 |
| Des 2025 | Rp 49,8M | 99.1% | 8 |
| Nov 2025 | Rp 44,1M | 98.7% | 11 |
| Okt 2025 | Rp 31,3M | 97.9% | 18 |
SFTP Upload Log
Log pengiriman file settlement ke acquirer bank
142
Upload Sukses (30 hari)
2
Upload Gagal (30 hari)
Di-retry dalam 5 menit
42 det
Avg Upload Time
Semua
Sukses
Gagal
Retry
| Tanggal | File | Acquirer / Host | Ukuran | Durasi | Status | Ket. |
|---|---|---|---|---|---|---|
| 08 Mar 23:55:38 | settle_20260308_qris.csv | sftp.bri.co.id | 291 KB | 38 det | ✓ OK | ACK 00:12 |
| 08 Mar 23:55:42 | settle_20260308_visa.csv | sftp.bca.co.id | 184 KB | 31 det | ✓ OK | ACK 00:14 |
| 08 Mar 23:55:45 | settle_20260308_mc.csv | sftp.mandiri.co.id | 102 KB | 29 det | ✓ OK | ACK 00:15 |
| 07 Mar 23:55:38 | settle_20260307_qris.csv | sftp.bri.co.id | 284 KB | 41 det | ✓ OK | ACK 00:11 |
| 06 Mar 23:55:44 | settle_20260306_mc.csv | sftp.mandiri.co.id | 98 KB | — | ✗ Gagal | Timeout, retry +5m OK |
| 06 Mar 23:56:15 | settle_20260306_mc.csv | sftp.mandiri.co.id | 98 KB | 52 det | ↻ Retry OK | Retry #1 |
Email Notifikasi Settlement
Konfigurasi dan log pengiriman email otomatis hasil settlement
Konfigurasi Notifikasi
Log Email Terkirim
| Waktu | Subjek | Penerima | Status |
|---|---|---|---|
| 9 Mar 08:30 | Daily Settlement 8 Mar — Rp 7,81M ✓ | 3 penerima | Sent |
| 8 Mar 08:30 | Daily Settlement 7 Mar — Rp 7,28M ✓ | 3 penerima | Sent |
| 7 Mar 08:30 | ⚠️ Discrepancy — 6 Mar MC/Mandiri -Rp40K | 3 penerima | Sent |
| 7 Mar 00:02 | SFTP Upload Gagal — settle_20260306_mc | 3 penerima | Sent |
| 6 Mar 08:30 | Daily Settlement 5 Mar — Rp 6,92M ✓ | 3 penerima | Sent |