AEPS Reconciliation

Nearby Technologies

CREATED BY- Amey R. More

DATE- 20-12-2019

PRIVATE & CONFIDENTIAL | © NBTPL | 2019

AEPS Reconciliation Process

PRIVATE & CONFIDENTIAL | © NBTPL | 2019

Process Flow:
1. Download NPCI file from YES Bank SFTP path.
2. Download Mumbai Server AEPS Transaction file.
3. Login to NBT Admin Portal.
4. Download SOR AEPS file.
5. Cross Lookup between 3 files.
6. Check success scenario (select 00 in NPCI, 00 in Mumbai Report, 2 in SOR).
1. If count and amount matches, then proceed to next step or
2. Inform the Mismatch of data with Yes Bank.

7. Check failed scenario (select 00 in NPCI & other than Success in Mumbai & SOR Report).
1. If failed scenario found, then Store the Credit Adjustment Data in separate file for record then share the data with Yes Bank
Operations Team. NOTE: Format: RRN, Amount & Date (CA to be raised in T+4 should be raised).
2. If failed scenario not found, then reconciliation is complete.

8. For Credit Adjustment Data, the credited amount during transaction is debited from the account and GEFU file is
uploaded on NPCI portal. Bank will update us in 2 to 3 working days.
9. Debit check for scenario 7.1. through bank statement shared by bank for previous day.
10. Check bank statement if the amount settled in real time matches or not for previous day.
11. Amount is auto debited from Account every 15 minutes by bank.

PRIVATE & CONFIDENTIAL | © NBTPL | 2019

Chargeback Adjustment

PRIVATE & CONFIDENTIAL | © NBTPL | 2019

Process Flow:
1. Chargeback raised by customer are raised by Bank Operation Team to NBT.
2. NBT Operation Team will check if Credit Adjustment is raised for mentioned transaction or not.
3. If Credit Adjustment is already raised then we accept the chargeback and reply to Bank Operation Team stating we have
already raised Credit Adjustment (and share details related to same).
4. If CA not raised then NBT Operation Team will forward mail to Tech Support Team to extract logs.
5. Tech Support Team will share the requested logs with NBT Operation Team.
6. NBT Operation Team will send the logs to Yes Bank Operation Team
NOTE: If mail not replied within TAT mentioned then bank will charge penalty. (Rs. 100 per transaction per day).

PRIVATE & CONFIDENTIAL | © NBTPL | 2019