Post an approved clearing file settlement reconciliation

POST/cards/clearing/settlements/{id}/applications

Verified staff on the card clearing desk's narrow scopes only: cards:clearing:read for reads, cards:clearing:write with a step-up within five minutes for writes; cards:write does not reach these routes and no service token or API key does. The file formats are bank-defined approximations of the proprietary Visa BASE II, Mastercard IPM and Discover clearing specifications (services/cards/clearing/README.md); a file from the card clearing simulator is simulated, not network traffic. Posts the exact approved settlement once, step by step, each step replaying on retry: the principal batches, the network finance statements (proposed by the settlement's maker, reviewed by its reviewer) and their cash reconciliations, then the direct journal under a captured attempt the ledger fences when its business date passes. A completion lost after the journals commit finishes on retry without posting again.

Path parameters

idstringRequired

Headers

Idempotency-KeystringOptional

Send on every write that creates or changes money or state; a replay with the same key returns the original result with 200.

Body parameters

content_sha256stringRequired

Returns

201 Created

chunksarray of objectsRequired

9 child attributes

authorization_idsarray of stringsRequired

batch_keystringRequired

cash_minorintegerRequired

Interchange less fees less principal: the network finance cash reconciliation

indexintegerRequired

interchange_minorintegerRequired

linesarray of objectsRequired

5 child attributes

amount_minorintegerRequired

authorization_idstringRequired

Example auth_2tVh8nqLxq4GbDe0K1F6S9zRcWm

kindstringRequired

Interchange or scheme_fee; reversal requires ReversesReference.

referencestringRequired

reverses_referencestringOptional

principal_minorintegerRequired

scheme_fee_minorintegerRequired

statement_datestring · dateRequired

A business date, YYYY-MM-DD

content_sha256stringRequired

created_atstring · date-timeRequired

figuresobjectRequired

SettlementFigures reconcile the file's net settlement to its categories.

16 child attributes

attributable_interchange_minorintegerRequired

attributable_scheme_fee_minorintegerRequired

credit_minorintegerRequired

direct_interchange_minorintegerRequired

direct_journal_cash_minorintegerRequired

The master account leg of the direct journal

direct_scheme_fee_minorintegerRequired

external_cash_minorintegerRequired

net_minorintegerRequired

The categories added up: what moves the master account

network_finance_cash_minorintegerRequired

Interchange less fees the network finance cash records move

principal_minorintegerRequired

principal_settlement_cash_minorintegerRequired

Negative: what the principal batches move

reported_net_minorintegerRequired

The file trailer's net settlement

return_credit_minorintegerRequired

return_debit_minorintegerRequired

suspense_credit_minorintegerRequired

suspense_debit_minorintegerRequired

file_idstringRequired

Example achf_2tVh8nqLxq4GbDe0K1F6S9zRcWm

file_sha256stringRequired

headerobjectRequired

Header is a file without its records.

7 child attributes

file_referencestringRequired

formatstringRequired

institution_idstringRequired

networkstringRequired

processing_datestring · dateRequired

A business date, YYYY-MM-DD

settlement_datestring · dateRequired

A business date, YYYY-MM-DD

totalsobjectRequired

Totals are a file's trailer control totals.

8 child attributes

credit_countintegerRequired

credit_minorintegerRequired

debit_countintegerRequired

debit_minorintegerRequired

interchange_minorintegerRequired

net_settlement_minorintegerRequired

Signed: positive is paid to the issuer

scheme_fee_minorintegerRequired

transaction_countintegerRequired

idstringRequired

journalobjectRequired

The direct legs; effective date set at execution

18 child attributes

adjusts_periodstringOptional

A sealed period this journal corrects, YYYY-MM

approved_bystringOptional

backdatedbooleanOptional

Effective_date is before posting_date (read only)

committed_atstring · date-timeOptional

effective_datestring · dateRequired

A business date, YYYY-MM-DD

entriesarray of objectsRequired

4 child attributes

amountintegerRequired

Minor units of the currency (cents for USD)

currency_codestringRequired

ISO 4217 code

directionstringRequired

ledger_account_idstringRequired

Example lacc_2tVh8nqLxq4GbDe0K1F6S9zRcWm

fx_legsarray of objectsOptional

FXLegs is read only: the legs of a cross-currency journal the ledger's own conversion and close commands posted. A caller's posting never carries them.

7 child attributes

currency_codestringRequired

equivalent_ledger_account_idstringRequired

Example lacc_2tVh8nqLxq4GbDe0K1F6S9zRcWm

native_amountintegerRequired

position_ledger_account_idstringRequired

Example lacc_2tVh8nqLxq4GbDe0K1F6S9zRcWm

rate_sheet_idstringRequired

usd_equivalent_amountintegerRequired

usd_per_foreign_majorstringRequired

idstringOptional

kindstringRequired

posted_bystringOptional

posting_datestring · dateOptional

A business date, YYYY-MM-DD

protected_command_idstringOptional

reasonstringOptional

Required on a backdated journal

release_hold_idstringOptional

Example hold_2tVh8nqLxq4GbDe0K1F6S9zRcWm

require_availablebooleanOptional

reversal_ofstringOptional

source_refstringRequired

source_servicestringRequired

ordinalintegerRequired

proposed_bystringRequired

requestobjectRequired

SettlementRequest proposes a file's settlement reconciliation.

2 child attributes

external_cashobjectRequired

ExternalCash is the actual master account movement for the file's settlement: the Federal Reserve advice or statement line, positive when the network paid the bank.

4 child attributes

amount_minorinteger or nullOptional

referencestringRequired

sha256stringRequired

value_datestring · dateRequired

A business date, YYYY-MM-DD

reasonstringRequired

resultobject or nullOptional

SettlementResult is what applying a settlement posted.

8 child attributes

actorstringRequired

batch_journal_idsarray of stringsRequired

completed_atstring · date-timeRequired

journal_effective_datestring · dateOptional

A business date, YYYY-MM-DD

journal_idstringOptional

Example jrnl_2tVh8nqLxq4GbDe0K1F6S9zRcWm

network_finance_cash_idsarray of stringsRequired

network_finance_statement_idsarray of stringsRequired

return_credited_exception_idsarray of stringsRequired

reviewobject or nullOptional

Review is a retained independent decision.

5 child attributes

actorstringRequired

content_sha256stringRequired

created_atstring · date-timeRequired

decisionstringRequired

reasonstringRequired

sourcesarray of objectsRequired

10 child attributes

amount_minorintegerRequired

attributablebooleanRequired

Interchange and fees accrue through network finance against the clearing receipt

authorization_idstringOptional

Example auth_2tVh8nqLxq4GbDe0K1F6S9zRcWm

categorystringRequired

exception_idstringOptional

interchange_minorintegerRequired

record_idstringRequired

resolution_idstringOptional

scheme_fee_minorintegerRequired

sequenceintegerRequired

Errors

Every error is a problem document with a stable code. See Errors.

400401403404409412413422424429500503