Reserve Funding Export Data

The Reserve Funding export provides a detailed daily snapshot of reserve account activity for each merchant subject to a reserve requirement. Each record captures gross sales, the net ACH deposit amount before reserve deduction, the amount withheld into reserve, the release schedule configuration, and the current running reserve balance. This file gives institutions full visibility into both rolling and fixed reserve management.

Endpoint

GET /download/YYYYMMDD/ReserveFunding

Authentication

Basic HTTP Authentication required.
Encode username:password in Base64 and pass in the Authorization header:

Authorization: Basic {base64(username:password)}

When to use

Use this file daily to reconcile reserve account activity, monitor balances against ceiling thresholds, and confirm that withholding and release amounts are being applied correctly. The FinalNetAchDepositAmount is the amount actually funded to the merchant after reserve deduction — cross-reference this against the ACH deposit file to confirm the merchant received the correct net amount.

Query Parameters

None. The file is identified by the date path segment (YYYYMMDD) and delivered via SFTP.

Response

200 OK — Returns a JSON array where each element represents one merchant's reserve activity for the activity date:

[
  {
    "Id": 1000802,
    "BankNumber": "7421",
    "MerchantNumber": "742100000001234",
    "RecordType": "B",
    "AssociationNumber": "999001",
    "Dba": "ACME RETAIL STORE",
    "ReleaseId": "MERCH",
    "ReserveDda": "2285224330001",
    "ReserveTransitRouting": "041210001",
    "ReserveDdaIndicator": "C",
    "ReleasedToDda": "",
    "ReleasedToTransitRouting": "",
    "ReleaseStartDate": "2026-01-15T00:00:00",
    "ReleaseStopDate": "2026-12-31T00:00:00",
    "ReleaseAmount": 0.00,
    "ReleasePercent": 10.00,
    "ReserveCeiling": 15000.00,
    "ReserveFloor": 0.00,
    "GrossSalesAmount": 3240.75,
    "NetAchDepositAmount": 3118.50,
    "ReserveFundingActivityAmount": 311.85,
    "AchIndicator": "Y",
    "MerchantStatementIndicator": "N",
    "CarryOverIndicator": "N",
    "ReleaseFrequency": "M",
    "FinalNetAchDepositAmount": 2806.65,
    "CarryOverAmount": 0.00,
    "CarryOverBalance": 0.00,
    "ReserveBalance": 4850.20,
    "DateCeilingReached": "",
    "ActivityDate": "2026-05-27T00:12:33",
    "UserId": "",
    "LastUpdatedDate": "2026-05-27T01:00:00Z",
    "MemoEntry": "",
    "AchDepositCapAmount": 0.00,
    "CalculatedReleaseDate": "2026-06-01",
    "RollingReserveIndicator": "N",
    "ReserveFundingDeptName": "Netevia",
    "ReserveFundingDeptPriority": "007",
    "SendDebitsIndicator": "Y",
    "DepartmentType": "000",
    "ReleasedToDdAIndicator": "2026-05"
  }
]

Error Codes

Common Mistakes

• Confusing NetAchDepositAmount with FinalNetAchDepositAmount — the net deposit amount before reserve deduction versus after are two different values; always use FinalNetAchDepositAmount for the amount actually funded to the merchant.
• Ignoring DateCeilingReached — once populated, withholding has stopped automatically and the merchant should be receiving full deposits.
• Not checking RollingReserveIndicator — rolling reserves (Y) have a different release schedule than fixed reserves and require different monitoring logic.
• Treating CarryOverAmount: 0.00 as confirmation that no carry-over exists — always check CarryOverBalance for the running total.
• Using ReleasePercent without verifying ReserveCeiling — once the ceiling is reached, the percentage no longer applies.

Related Endpoints

• GET /download/YYYYMMDD/ACH — ACH deposit amounts that should align with FinalNetAchDepositAmount
• GET /download/YYYYMMDD/Transactions — gross sales data that feeds GrossSalesAmount
• GET /api/export/MerchantProfile — merchant profile with banking and fee schedule details

Example

curl -X GET "https://hq.staging.netevia.dev/download/20260528/ReserveFunding" \
  -H "Authorization: Basic $(echo -n 'username:password' | base64)"