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Elavon Financial Services DAC. Registered in Ireland – Number 418442.
Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
Elavon Financial Services DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
Elavon Financial Services DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
Elavon Financial Services DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Payments Core 365TM is a data file that contains your funded transaction information. The file is delivered daily in the same format, enabling you to customize your analytics, charts, and tables. Once you have the Payments Core 365 file, you'll have everything you need to reconcile your internal numbers and direct demand accounts.

## Features

Payments Core 365 connects fund, batch, and transaction-level data in a single file, allowing you to:

- Determine if all transactions were paid and research those that were not.

- Reconcile accounts in a way that can be automated.

- Gain visibility into your payment processing mix to optimize processing costs.

- Track the acceptance cost to the business.

- Get granular with chargebacks to determine win/lose ratio and isolate risky locations.

We use a secure FTP to transfer your file through Elavon's SFTP server. Files can be sent in .txt or .csv format.


## Workflow

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::: 

## Example use cases

**Improve performance with actionable data**

Create key performance indicators (KPIs) that can pinpoint a location outside of the overall performance norms and give you the ability to drill down into your data to show details.

- Smarter Marketing - Build or refine customer buying profiles for targeted marketing campaigns.
- Decrease Cost - Get in front of problem locations to avoid month-end surprises.
- Save Time - Integrate to your accounting system for a completely automated reconciliation process.

**Key categories for granular analysis**

Connect 3 levels of data to add perspective and more granular analysis:

- Funds - Uses payment details that reconcile to your direct demand accounts.
- Batch - Item-level detail for each batch lets you quickly see additional events that post to your account.
- Transaction - Transparency into card, interchange and other custom details on each transaction.

**Adjustments**

- Helpful in prioritizing follow-up research and exception processing tasks.
 - Compare transaction trends across locations by pairing "STORE_NUMBER" with the "CHARGE_TYPE_DESCRIPTION" to see if a single location is incurring more risk of chargeback.
 - Use "CHARGE_TYPE" to gain insight into your payment mix.
 - Use the transaction reference number field ("TRN_REF_NUM") to refer back to unfunded transactions.

**Billing**

- Quickly close your periodic financial reports on day one following your business cycle close.
- Utilize metrics, like *Cost Effective Rate*,  by location to understand location performance in conjunction with your closing process.
- Monitor for any spikes that may show increased downgrades, etc.
- Calculate fees you're paying by referencing the transaction amount ("AMOUNT") for different charge type descriptions ("CHARGE_TYPE_DESCRIPTION").

**Chargebacks**

- Isolate a specific location using "STORE_NUMBER" to research a specific chargeback or observe trends that may indicate increased risk of fraud.
- Determine the reason behind chargebacks to monitor for potential cases of fraud and determine your deadline using "CHARGEBACK_CONTROL_NO," "CHGBK_RSN_CODE," AND "CHGBK_RSN_DESC."
- Trace a transaction from the point of sale through the chargeback process using the transaction reference number ("TRN_REF_NUM").

**Deposits**

- Easily reconcile locations' sales and refunds to bank deposits and withdrawal activity.
- Gain visibility into funding details as soon as the transaction is funded.

**Unfunded records**

The “Nonfund” file includes information on unfunded transactions giving you a holistic view of your payment data. It helps validate transactions sent to American Express® and/or Discover® in a separate unfunded transaction file.

Accounts

Alerts – Coming soon

Bank Holidays

Card Activation

Card Controls

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing

Data Sharing – Coming Soon

Data Sharing for Marketing Purposes – Coming Soon

Data Toolbox FDX V3

Data Toolbox FDX V5

Digital Wallet – Coming Soon

Digital Wallets

Rewards Accelerator

Rewards: Balance Summary

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

EMV 3D Secure 2

Commerce SDK

Converge

Dynamic Currency Conversion

eBoarding

Elavon ISO Protocol

Fusebox

In Person Payments

Beta: Leads API

Online Payments on Opayo

Opayo Pi

Opayo Direct

Opayo Form

Reporting & Admin on Opayo

Opayo-Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaConex

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Credit Cards

Corporate Statements

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform®

Freight Payment Customer Profiles

Freight Payment Shipment Order

Freight Payment Transactions

PaySmart

Payee Choice

Payee Token+

Positive Pay

Receivables

RTP® - Credit Transfer Message

RTP® - Real-Time Payments

RTP® - Request for Payment

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Drawdowns

Wire Transfers

Payments Core 365 Overview

Getting Started

Field definitions

Standard File Layout

Enhanced Data File Layout

Airline File Layout

Card Type and Card Plan

Best Practices

Support