Payout SFTP Report2

Pagsmile can deliver daily transaction reports to your SFTP server for automated reconciliation. Reports are generated separately for each settlement currency and cover the previous UTC calendar day.

SFTP report delivery must be enabled for your merchant account by Pagsmile before reports can be generated.

Report generation starts at approximately 06:00 UTC, and files are normally available at around 06:30 UTC. If there are no reportable records for a currency during the reporting period, no file is generated for that currency.

Report Delivery

Item	Description
Frequency	Daily
Reporting period	The previous calendar day, from 00:00:00 inclusive to 00:00:00 exclusive on the following day, in UTC.
Expected delivery time	Around 06:30 UTC.
File format	A ZIP archive containing one UTF-8 CSV file.
File granularity	One file per settlement currency that has reportable records.
Report content	Payin and payout transactions, together with balance movements such as deposits (top-ups), deductions, withdrawals (settlements), and refunds, as applicable to your account.

Upload Directory and File Name

Pagsmile uploads reports to the following directory on your SFTP server:

/payout/transaction/{YYYY}/{MM}/

The year and month are based on the report date in UTC.

Daily report files use the following naming convention:

{merchant_id}_{currency}_{YYYYMMDD}.zip

The CSV file inside the archive uses the same base name:

{merchant_id}_{currency}_{YYYYMMDD}.csv

For example, a USD report for September 28, 2026 may be uploaded as:

/payout/transaction/2026/09/0123456789ABCDEF_USD_20260928.zip

The SFTP user must have permission to create the year and month directories and to create or overwrite files within them.

Report Fields

Field	Description
Date	Date when the record was posted, in UTC.
Time	Time when the record was posted, in UTC.
TimeZone	Time zone used for Date and Time. The value is UTC.
Merchant ID	Your Pagsmile merchant ID.
App Name	Name of the application associated with the transaction. This field may be empty for balance movements.
Country/Country Code	Country associated with the transaction. This field may be empty for balance movements.
Payment ID	Pagsmile transaction ID.
Reference ID	Merchant-defined transaction reference. This field may be empty for balance movements.
Payment Method	Payment or payout method used for the transaction. Balance movements are reported as bank transfer.
Transaction Type	Type of transaction or balance movement, such as payin, payout, deposit, deduct, withdraw, refund, or partial_refund, when applicable.
Opposite Name	Name of the payer, recipient, or other counterparty associated with the record.
Applied Amount	Transaction amount in the applied currency. Debits are represented as negative values and credits as positive values.
Applied Currency	Currency of the applied amount.
Settlement Amount	Amount applied to the merchant settlement balance. Debits are represented as negative values and credits as positive values.
Settlement Currency	Currency of the merchant settlement balance.
Exchange Rate	Effective exchange rate applied to the transaction. The value is 1 when no currency conversion is involved.
Payer Processing Fee	Processing fee charged to the payer side of the transaction.
Payee Processing Fee	Processing fee charged to the payee side of the transaction.
Tax	Tax charged for the transaction.
Net Amount	Net amount credited to or debited from the merchant balance after fees and taxes.
Balance	Merchant balance after the record is applied.
Description	Additional information about the record. This field may be empty.
Business Type	Indicates whether the transaction belongs to Payin or Payout.

Set Up Your SFTP Server

1. Prepare the SFTP account

Create an SFTP account for Pagsmile and make sure that it can:

• Connect to the server using password authentication.

• Create the /payout/transaction/{YYYY}/{MM}/ directory structure.

• Create and overwrite report files in that directory.

2. Provide the connection details

Provide the following information to your Pagsmile account manager through an approved secure channel:

Item	Description
Host	Hostname or IP address of your SFTP server.
Port	Port on which your SFTP service accepts connections. Pagsmile does not require a fixed port.
Username	Username of the SFTP account created for Pagsmile.
Password	Password of the SFTP account.
Upload directory	/payout/transaction/{YYYY}/{MM}/, as visible from the SFTP account. Confirm that the account can create and write to this directory.

3. Configure the IP allowlist

If your SFTP server restricts inbound connections by source IP, add the Pagsmile outbound IP address to your allowlist. Contact your Pagsmile account manager for the current IP address for your environment.

4. Verify delivery

After configuration is complete, Pagsmile will verify connectivity and write access. Check that the report is delivered to the expected directory and that the ZIP archive and CSV file can be opened successfully.

Delivery Notes

• Pagsmile automatically retries transient SFTP upload failures.

• A report file is generated only when at least one reportable record exists for the currency and reporting period.

• If an expected file is missing, verify the server address, port, credentials, source-IP allowlist, available storage, and directory permissions before contacting Pagsmile support.