3 Provisional Transactional Information (PTI)¶

Source: TI_Host_to_Host_Client_User_Manual_v52.pdf Document pages: 49-62 PDF pages: 49-62

Q: What is a consolidated information Notification? A: It is a Notification containing the summary of your transactions for the day ie, it will include the sum of all credit and debit amounts from the previous banking day's cutoff up until the time you receive the Notification. It will also include the available balance on the account at the time indicated on the Notification. The Notification is sent at 7:30am and 5:30pm.

Q: What is a balance only Notification? A: It is a Notification that provides you with the current and available balance of the account. You have the option to receive this Notification once or twice a day at client specified time(s).

3.1 What is the PTI solution?

The Provisional Transaction Information (PTI) service will send you a Notification in a machine-readable format when a provisional transaction has been processed to your current and/or savings accounts. This PTI service will send a Notification that can be integrated directly into your line-of-business (LOB) system providing you with the ability to automate operational processes. Note, this is only provisional information so it is up to the client if they would like to rely on this information for operational decisions.

Example: If you sell 'prepaid electricity' as soon as money is deposited into your account, PTI will send a Notification to your line of business system and based on the information your system will release the prepaid electricity to your client in a real time ma nner. The solution will allow you to:

a) Select the type of transactions you would like to be notified on, ie all transactions, credit s only, debits only or account balances.

b) Select the account you would like to receive provisional statement information on.

c) Specify the Nedbank channels you want to receive transaction information on.¶

d) How often you want to receive the information ie real time or near real time.¶

e) The preferred file format eg swift MT942.¶

f) The protocol to be used for delivery of the transaction information.¶

Note: This is provisional data only and not yet confirmed transactions, which you can rely on for operational reasons eg the release of goods. You will not be notified on transactions that are not processed on a Nedbank online channel eg payments from agent banks, debit orders, etc.

3.2 Key features of PTI

a) Provisional transaction information can be sent to you in real time or near real time .

b) You will have the option of receiving an end-of-day file that will contain all transactions sent to you during the day.

c) Delivery protocols are available for PTI.¶

d) A selection of file formats e.g. Multicash and SWIFT, are available to you.¶

e) You can define the timeframe in which you want to receive provisional transactions e.g. 08:00 to 14:00 daily.

3.3 Benefits of the PTI to your business

This product creates greater value for your business, beyond other services you may have with the bank. It enables you to manage your day-to-day operations more efficiently by providing information that will allow you to:

a) Reactivate services¶

b) Update key transactional activity in the relevant accounts¶

c) Improve forecasting¶

d) Manage day to day operations¶

Estimate your daily cash flows
Estimate the close-of-business balances in your accounts
Track your own customers' payments
Dispatch goods in accordance with your business function

e) Fraud and risk awareness¶

You will be able to identify any unauthorised activity on your account

f) Convenience¶

Regular updates of key transactional activity in relevant accounts.
Inventory control / goods dispatching
Provisional transaction information sent directly into your LOB systems to assist you in automating operational processes. (Finalised statement information can be

sent via Nedbank's NedAcad statements service. Please contact your Transactional Banker for more information.

Greater customer satisfaction with the service you render

Note: Provisional transaction information is for operation purposes only and must not be used as final statement information to update financial systems.

3.4 Delivery protocol

Provisional transactions can be delivered in real time or near real time. Transactions can be be delivered in real time manner only as a single transaction, via a real time delivery protocol. Transactions can be delivered in near real time manner i.e., transactions are batched at your specified intervals and can be delivered via a real time or near real time delivery protocol. If it is delivered on a near real time protocol it is delivered as a file with the file name specified in section 1.3. If a batch of transactions is delivered via a real time protoco l it does not have a file name and the message will be contained in the data payload(s). The following delivery protocols are available for PTI:

a) Real time delivery protocols¶

Email (only delivery protocol available on NetBank Business)
Web Services (Host to host solution)
IBM MQ (Host to host solution)
SWIFT

b) Near real time delivery protocols¶

Email (only delivery protocol available on NetBank Business)
SFTP (Host to host solution)
Connect: Direct (Host to host solution)
SWIFT FileAct (Host to host solution)

See section 1.8 for more detail.

Note: Nedbank will only be able to connect to static public IP addresses.

3.5 Delivery preference

You have the option to receive provisional transactions processed on your account in real time ie, as the transaction takes place, or near real time, ie receive a file containing provisional transactions, which have taken place over a specified interval.

a) Real time¶

Provisional transactions will be sent to you within 60sec of the transaction being processed on your account. Transactions can only be sent real time on a real time delivery protocol.

Note: This SLA will not apply during Nedbank system maintenance ie software or hardware updates. Daily maintenance is scheduled between 23:45 and 00:30. All transactions processed during this maintenance slot will be delivered once the maintenance has been completed. The SLA provided refers to provisional transactions leaving the Nedbank infrastructure.

b) Near real time¶

If you choose to use a near real time delivery protocol any provisional transaction processed during your specified time interval will be batched and sent to you in a file.

If you choose to use a real time delivery protocol all transactions that are processed during your specified interval will be held back and only delivered when your time preference has been met.

You have a choice of the following time intervals:

15min
30 min
60 min or
Once a day (You can specify the time)

Note: In reference to the time interval, each subsequent file will be dependent on when the previous file was sent. For example, if you are on a 15 min time interval and the first file was sent at 13:05 the next file will be sent at approximately 13:20.

Note: Transactions are sent dependent on the type of transactions (eg debits only) and time preference (eg 8:00 to 17:00) selected.

3.6 Available PTI settings at an instance level

A. Type of transactions¶

You can select one of the following types of transactions to be notified on:

a) All transactions¶

b) Debits only (money leaving your account)¶

This will include debit transactions and reversals of debits.

c) Credits only (money coming in to your account) or;¶

This will include credit transactions and reversals of credits.

d) Balance only¶

B. Threshold limit¶

You can choose to receive transactions for all amounts or specify to receive transactions only if it is above a certain amount.

C. Accounts and channels¶

At an instance level you have the option to specify the accounts you would like to be notified on. In addition for each selected account you can choose to be notified only if the transaction is processed through one of the following channels:

a) Electronic Banking¶

NetBank Business (NBB)
NetBank Retail (NRB)
SST
CPS
Real time payments (RTC, RTGS)
Manual unpaid
Interbank EFT

b) Mobile Banking¶

Mobile banking including the Nedbank App
Telephone banking
USSD
WAP

c) Branch¶

Teller

d) Card¶

Online purchases
International transactions (POS, ATM, TELLER)

e) ATM¶

Local ATMs
Intelligent deposit device (Local cardless cash deposits)

f) Point Of Sale (POS)¶

Local POS transactions

g) Cash solutions¶

Cash online
Cash vault device

h) All the above¶

D. Template groups¶

You have the ability to select a template that will best suite your business needs. The templates available are dependent on the delivery protocol and type of transactions selected.

Available templates

Real time
TI PTI XML (RT)
TI PTI CSV (RT)
TI PTI TXT (RT)
TI SWIFT MT900
TI SWIFT MT910
TI SWIFT MX900 - camt.054 (Bank to customer credit / debit Notification)
TI SWIFT MX910 - camt.054 (Bank to customer credit / debit Notification)
TI SWIFT MX941 - camt.052 (Bank to customer account report)
TI SWIFT MT941
Near real time
TI PTI XML (NRT)
TI PTI CSV (NRT)
TI PTI TXT (NRT)
TI SWIFT MX942 - camt.052 (Bank to customer account report)
TI SWIFT MT942
Multicash AUSZUG
Multicash UMSATZ

Refer to 1.12 and Appendix A and D for detailed information on PTI templates

Note: If SWIFT has been selected as a delivery protocol only the SWIFT templates can be selected, however SWIFT templates can be sent on all delivery protocols.

E. Time preference¶

You can select to receive provisional transaction information all day or during a specified time. Nedbank will delay sending your Notifications if it is outside your selected time preference (eg 8am to 5pm) and only send the Notification when your time preference has been met.

F. PTI end of day file¶

a) Introduction¶

End of day files are optional and are generally used to identify any transactions that was sent by Nedbank but not received by you. This can occur if you select a delivery protocol that does not assure delivery (eg Web Services, email).

The end of day file is a summary of all transactions sent to you since the previous end of day file. This will only include transactions based on the settings for this instance. However, for each instance you have the option to select a different delivery protocol and template for the end of day file.

Note: End of day file is not available if you select balance only as your transaction type.

b) Delivery of end of day file:¶

If your time preference selection is all day then your end of day file will contain all transactions sent to you from 6pm the previous day to 6pm today.
If you have specified a time preference to receive Notifications your end of day file will be generated to include all transactions sent to you from your previous end of day file to the end of the your selected time preference.

Example: If your selected time preference is 9am to 5pm, the end of day file will include transactions from 5pm the previous day to 5pm today.

The SLA is an hour to receive an end of day file.

c) Available delivery protocols¶

Only near real time protocols can be used for the end of day file. Refer to section 1.8 for more detail

Note: For the email delivery protocol, you can only have one address for the end of day file.

d) Available templates groups¶

Only near real time templates are available for the end of day file. Refer to 1.12 and Appendix A for detailed information on P TI templates

Note: End of day files can only be sent using a near real time delivery protocol.

G. Enotes PTI file naming convention¶

Note: This file naming convention is only for information purposes for clients that were migrated from the old PTI solution and will not be available to new clients. All new clients will be required to use the TI file naming convention as defined in section1.3.

The Enotes PTI file naming convention is not applicable to TI PTI clients and is only a reference for the old PTI clients that migrated from the old system to the new system. A PTI file, used for the near-real-time delivery protocols, contains all transactions that occurred during the interval specified by the client. The PTI file (from Nedbank host to the client's LOB system) must adhere to the following naming convention:

PNGG00.CDPACK.**OTnn.D0.SQ730

Nedbank will assign a unique two-letter alpha code to each of the PTI clients. The '**' represents the alpha code, ie AA, AB, AC. This unique alpha code will be incorporated into the file name, as displayed above. The O character is for the output file. The twodigit number, represented by nn, is a sequential number (starting from 01 and going up to a maximum of 99) that Nedbank will increment when sending out new files. This number will be reset to 01 at the beginning of each day.

Note: A file should not contain a duplicate file name, as the file will not be processed, even though it might contain new client data.

During testing the following naming convention will be used:

QNGG00.CDPACK.**OTnn.D0.SQ730

A Q is used instead of a P. ('Q' refers to a QA testing file, while 'P' refers to a production file.)

OUTGOING FILE

This is the file that Nedbank will produce and send/push to the client's LOB system for processing. Each and every field within the file must be in the specified fixed format (ie if a field is stated as being 20 characters long and only 12 characters are actually used, that field must be appropriately padded to 20 characters with spaces for alphanumeric fields and with zeros for numeric fields). For numeric fields the data is right-justified and padded with leading zeros; for alphanumeric fields the data is left-justified and padded with trailing spaces.

Note: Any invalid field in the header, detail record or trailer will invalidate the entire file.

3.7 PTI Template groups

The template groups contain a selection of templates that make a logical fit into a specific group eg any SWIFT proprietary template will be available under the SWIFT group. Currently the following groups are available:

Nedbank
SWIFT
SAP
Other
Client Specific

Note: If SWIFT has been selected as a delivery protocol only the SWIFT templates can be selected, however SWIFT templates can be sent on all delivery protocols.

Refer to 1.12 and Appendix A for detailed information on PTI templates.

3.8 Channel and transaction type combinations Channel and TranType Comb.xlsx

Channel Name Transaction Type C / RC / D / RD indicator ENC Applicable (Uncleared funds) Description ATM DEPOSIT C / RC Y Cheque or mixed deposits at ATM ATM CASH DEPOSIT C / RC N Cash deposit at an electronic Teller (ATM ) ATM PREPAID D / RD N Prepaid purchase at ATM eg airtime ATM PREPAID AIRTIME D / RD N Prepaid airtime at ATM ATM PREPAID ELECTRICITY D / RD N Prepaid electricity at ATM ATM LOTTO D / RD N Lotto purchase at ATM ATM SEND IMALI D / RD N Send Imali at ATM ATM TRANSFER D / C / RD / RC N Transfer money between accounts loaded on the ATM card ATM WITHDRAWAL D / RD N Cash withdrawal from an ATM TELLER BANKS OWN CHEQUES D / RD N Issuing of a Nedbank cheque on behalf of the client (Bank certified cheque) TELLER EFT DEPOSIT C / RC N Electronic payment into your account done at Teller TELLER CASH DEPOSIT C / RC N Cash deposit at Teller TELLER CHEQUE DEPOSIT C / RC Y Cheque deposit at Teller TELLER MIXED DEPOSIT C / RC Y Cash and cheque deposit at Teller TELLER EFT WITHDRAWAL D / RD N Electronic payment from your account at Teller TELLER WITHDRAWAL D / RD N Cash withdrawal at Teller using card, cheque or ID CAMS PURCHASE D / RD N Card purchases not processed on the South African Switch eg Pay Pal, International purchases IBOX CASH DEPOSIT C N Deposit done into a Cash Vault device or using cash online IBOX UNPAIDS D / C N Corrections or reversals made to the deposit on behalf of Cash Vault or cash online CPS EFT DEPOSIT C N Any credit to the account of the client done via an electronic channel CPS EFT PAYMENT D N Any debit to the account of the client done via an electronic channel CPS PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases CPS PREPAID AIRTIME D N Prepaid airtime purchase CPS PREPAID ELECTRICITY D N Prepaid electricity purchase CPS LOTTO D N Lotto purchase CPS SEND IMALI D N Send Imali transaction CPS EFT TRANSFER D / C / RD / RC N Electronic transfer of funds between accounts linked to a profile EF DEPOSIT C N Any credit to the account of the client done via an electronic channel

EF PAYMENT D N Any debit to the account of the client done via an electronic channel EF PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases EF TRANSFER D / C / RD / RC N Electronic transfer of funds between accounts linked to a profile NRB EFT DEPOSIT C N Any credit to the account of the client done via an electronic channel NRB EFT PAYMENT D N Any debit to the account of the client done via an electronic channel NRB PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases NRB PREPAID AIRTIME D N Prepaid airtime purchase on internet banking NRB PREPAID ELECTRICITY D N Prepaid electricity purchase on internet banking NRB LOTTO D N Lotto purchase on internet banking NRB SEND IMALI D N Send Imali done on internet banking NRB EFT TRANSFER D / C / RD / RC N Electronic transfer of funds between accounts linked to a profile NBB EFT DEPOSIT C N Any credit to the account of the client done via an electronic channel NBB EFT PAYMENT D N Any debit to the account of the client done via an electronic channel NBB PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases NBB PREPAID AIRTIME D N Prepaid airtime purchase on internet banking NBB PREPAID ELECTRICITY D N Prepaid electricity purchase on internet banking NBB LOTTO D N Lotto purchase on internet banking NBB SEND IMALI D N Send Imali done on internet banking NBB EFT TRANSFER D / C / RD / RC N Electronic transfer of funds between accounts linked to a profile INTTELLER CASH DEPOSIT C / RC N Cash deposit at international Teller INTTELLER CHEQUE DEPOSIT C / RC Y Cheque deposit at international Teller INTTELLER MIXED DEPOSIT C / RC Y Cash and cheque deposit at international Teller INTTELLER WITHDRAWAL D / RD N Cash withdrawal at international Teller INTATM DEPOSIT C / RC Y Cheque or mixed deposits at international ATM INTATM WITHDRAWAL D / RD N Cash withdrawal from an international ATM INTPOS PURCHASE D / RD N International POS purchase MG DEPOSIT C N Credit to client's account originating from another bank MG PAYMENT D N Debit to client's account originating from another bank MG REVERSALS RD / RC N Reversal of a transaction originating from another bank MG UNPAIDS RD / RC N Reversal of a transaction initiated by Nedbank to other bank MOBILE BANKING EFT DEPOSIT C N Any credit to the account of the client done via the mobile channel MOBILE BANKING EFT PAYMENT D N Any debit to the account of the client done via the mobile channel MOBILE BANKING PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases via a mobile

device MOBILE BANKING PREPAID AIRTIME D N Prepaid airtime purchase on mobile banking MOBILE BANKING PREPAID ELECTRICITY D N Prepaid electricity purchase on mobile banking MOBILE BANKING LOTTO D N Lotto purchase on mobile banking MOBILE BANKING SEND IMALI D N Send Imali done on mobile banking MOBILE BANKING EFT TRANSFER D / C / RD / RC N Mobile transfer of funds between accounts linked to a profile POS PURCHASE D / RD N Any purchase (card swipes) done at a POS device POS WITHDRAWALS D / RD N A client withdrawing cash from a store eg Pick and Pay using the POS device ie cash back RTGS DEPOSIT C N Credit of funds to the account of the client via RTGS RTGS PAYMENT D N Debit of funds to the account of the client via RTGS SST EFT DEPOSIT C N Any credit to the account of the client done via the mobile channel SST EFT PAYMENT D N Any debit to the account of the client done via the self service terminal SST PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases via a selfservice terminal SST PREPAID AIRTIME D N Prepaid airtime purchase on SST SST PREPAID ELECTRICITY D N Prepaid electricity purchase on SST SST LOTTO D N Lotto purchase on SST SST SEND IMALI D N Send Imali done on SST SST EFT TRANSFER D / C / RD / RC N Transfer of funds between accounts linked to a profile done via a selfservice terminal SWIFT BALANCE D / C N Balance on the account of the client using a standard SWIFT message ie MT941 SWIFT DEPOSIT C / RC N Credit on the account of the client received via a SWIFT message SWIFT PAYMENT D / RD N Debit on the account of the client received via a SWIFT message TELEPHONE BANKING EFT DEPOSIT C N Any credit to the account of the client done via telephone banking TELEPHONE BANKING EFT PAYMENT D N Any debit to the account of the client done via telephone banking TELEPHONE BANKING PREPAID D N Prepaid airtime, prepaid electricity and lotto purchases telephone banking TELEPHONE BANKING PREPAID AIRTIME D N Prepaid airtime purchase on telephone banking TELEPHONE BANKING PREPAID ELECTRICITY D N Prepaid electricity purchase on telephone banking TELEPHONE BANKING LOTTO D N Lotto purchase on telephone banking TELEPHONE BANKING SEND IMALI D N Send Imali done on telephone banking TELEPHONE BANKING EFT TRANSFER D / C / RD / RC N Transfer of funds between accounts linked to a profile done via telephone banking

C = Credit; RC = Reversal of Credit; D = Debit; RD = Reversal of Debit

3.9 Adding or maintaining PTI instances

PTI instances can be added or maintained electronically (for the email delivery protocol only) or via maintenance request forms submitted to the bank.

a) An administrator who has self-maintenance on NetBank Business that can set up and maintain PTI instances electronically for email delivery protocol, available on NBB under the Admin > Transaction Information Settings > Provisional Transaction Information menu items.

b) Clients who do not have NetBank Business can add or maintain instances by¶

completing and submitting a new application or maintenance form. The following maintenance forms are available on NetBank Business or via the helpdesk:

MR5D: Profile settings

To add the PTI product to an existing profile.

MRTIPTI1: Add Nedbank account same legal entity

Add a same legal entity account on to your existing PTI instances. Please note, an account has to be on your profile before it can be added to an instance. If the requested accounts are currently not on your profile it will be added to your profile.

MRTIPTI2: Add Nedbank account other legal entity

Add another legal entity account on to your existing PTI instances. Please note, an account has to be on your profile before it can be added to an instance. If the requested accounts are currently not on your profile, a participant resolution or power of attorney will be required.

MRTIPTI5A: Add Provisional Transaction Information instance

Add a new PTI instance to an existing profile for email or SWIFT protocols only. This form can only be used, if the PTI product is already activated on the profile. To activate the product please complete the MR5D. For all other protocols please speak to your transactional banker.

MRTIPTI5B: Amend /Delete Provisional Transaction Information instance

To amend the settings or delete an existing PTI instance. Please note you cannot amend / delete accounts, delivery protocol or templates on existing instances using this maintenance request. You will need to complete the MRTIPTI8 to delete an account. To update protocols or templates, please speak to your transactional banker.

MRTIPTI6: Charge detail amendment

To amend your nominated charge accounts for the PTI product.

MRTIPTI8: Delete accounts from Provisional Transaction Information instances

To delete accounts from existing instances. Please note it will not be deleted off your profile. If it is the only account linked to the existing instance, the instance will be systematically deleted.

c) Maintenance Forms can be submitted to Nitro in the following ways:¶

Fax: 0860 110 782 Only Tiff, Tif or PDF files will be processed
E-Mail: Transactionalbankingmaintenance@nedbank.co.za
Only Tiff, Tif or PDF files will be processed
There must be an attachment
If no valid attachments are found in the email then the email is rejected and a mail is sent to the sender to notify them that no valid attachments were found 3.10 Pricing Refer to section 1.10 in the manual.

3.11 Frequently Asked Questions (FAQ)

Q: What is a provisional transaction information instance? A: A provisional transaction information instance is a grouping of accounts, preferences, and recipients. You can setup 9999 different Notification instances on a single profile.

Q: How many instances can be setup on a profile? A: You can setup 9999 different PTI instances on a single profile.

Q: How many recipients can I have on each instance? A: You can add up to 10 email recipients on an instance