6:00 AM

Day T+1

11:00 PM 11:00 PM

1:00 AM

After the cut off time: The MPU’s Backend system collects unsettled successful transactions and dispute transactions of the previous
day (the day just before the cut off time)

❑ At time A: The MPU’s Backend system collects Outgoing files from Acquirers and then carries out an internal processing
procedure for the settlement

❑ At time B: The MPU’s Backend system creates Audit trailer files, Incoming files and reports for member institutions and Clearing
Report for CBM (Central Bank Of Myanmar).
 Dual message (POS / Ecom) Single message (ATM)
Clearing process
Transactions Transactions

In the DMS data flow, the Acquiring In the SMS data flow, MPU sends Audit trailer ➢ Summary of Clearing file process with
institution sends Outgoing files, which and statistics files to member institutions. CBM through from CBM Net.
contain presentment data, to MPU. These include, for each member institution,
➢ Types of settlement currencies are
including ATM Cash Withdraw , IBFT
➢ An Outgoing file for POS transactions, transactions. MMK for local cards
for POS terminals connected to the
Acquirer’s host.
➢ An Outgoing file for ECOM transactions,
for ecommerce gateway managed by
the Acquirer.
 Dual message (POS)
Transactions
➢ In the DMS data flow, the Acquiring
institution sends Outgoing files, which
contain presentment data, to MPU. Then
MPU combine the presentment data ,
sends outgoing files to International card
scheme (UPI / JCB).
➢ MPU received incoming file from
international card scheme (UPI/JCB) ,
process internal backend system and then
sends incoming file to member
institution.
Single message (ATM)
Transactions
In the SMS data flow, International card
scheme (UPI/JCB) sends Audit trailer and
statistics files to MPU, then MPU process
internal backend system and send to member
institutions. These include, for each member
institution.
Clearing process
➢ Summary of Clearing file process with
Local Bank (International clearing
settlement banks).
➢ Types of settlement currencies are
SGD for UPI card transaction and USD
for JCB card transaction.