E-Com ETN files for financial reconciliation for pay later
Learn about the ETN reconciliation file for pay later payment methods.
Unzer BNPL provides merchants with an ETN file describing the BNPL transactions within the invoicing period.
The file is sent by email together with the invoice PDF as an attachment. It is also possible to configure an SFTP location to which the files are sent automatically, in addition to email by contacting our support team.
You can contact our support team to customize which of the fields listed below will appear in the file.
Each line in the file represents a BNPL transaction. A transaction in the file can have one of the following types:
- PRE_AUTH
- CAPTURE
- REFUND
- CHARGEBACK
- VAT_CHARGEBACK
- LOAN_EXPIRED
- REFUND_REVERSAL
You can download the sample file here:
- Sample ETN files
- Sample Invoices
The main characteristics of the fully extended ETN format of E-Com invoices are the following:
- The ETN file (CSV) is based on a single, unified format, covering and supporting all relevant payment methods.
- It includes additional fields, which might be filled with merchant-specific data if provided (for example,
TRANSACTION ID). - Merchants should review the file format to ensure it meets their reconciliation and reporting needs.
The file name is in the following format, for example:
new-bank-partner-invoice-113_07_07_2025-07_07_2025_UNZER_LUX.csv
- Billing invoice number: new-bank-partner-invoice-113
- Billing timeframe: 07_07_2025-07_07_2025
- Bank partner: UNZER_LUX
List of ETN file field names and description
| CSV Field Name | Description | Example Value |
|---|---|---|
| Timestamp (TIMESTAMP) | The timestamp of the cashflow-relevant request | 7/7/25 4:19 |
| Date (DATE) | The date of the cashflow-relevant request | 7/7/25 |
| Transaction Type (TRANSACTION_TYPE) | The transaction type for the “billable” operations: PRE_AUTH, CAPTURE, REFUND, CHARGEBACK, VAT_CHARGEBACK, LOAN_EXPIRED, REFUND_REVERSAL | CAPTURE |
| Transaction ID (MERCHANT_TRX_ID) | The transaction ID (transmitted by merchant, mostly shop order ID) | TestTrxuunpmheqxd |
| Invoice ID (INVOICE_ID) | The invoice ID | 12345 |
| Customer ID (CUSTOMER_ID) | The customer ID | - |
| Payolution Unique ID (PAYOLUTION_UNIQUE_ID) | A unique ID of the transaction. Created by payolution | Tx-fmhtjddxpm2 |
| Payment Reference (PAYMENT_REFERENCE) | A 12-digit letter combination that uniquely identifies the transaction. Used by the customer as the purpose of the payment. | GCKL-QDNG-BGSP |
| Fees (FEES) | Total fees charged (fixed fees at pricing is determined (discount plus fees)) | 25,25 |
| Amount (AMOUNT) | The transaction amount | 5,31 |
| Amount (SIGNED_AMOUNT) | The transaction amount (shows negative if applicable) | -5,31 |
| Currency (CURRENCY) | Currency in which the order was made | EUR |
| Customer Country (CUSTOMER_COUNTRY) | The transmitted customer country | DE |
| Shop ID (SHOP_ID) | The old collecting model (Novalnet): Shop ID | TestShopId |
| Shop Name (SHOP_NAME) | The old collecting model (Novalnet): Shop name of the merchant where the order was done | TestShop |
| Channel ID (CHANNEL_ID) | Channel ID is created in the merchant configuration and is the technical identification of the merchant and the payment method | new-bank-partner-invoice |
| Payolution Invoice Name (PAYOLUTION_INVOICE_NAME) | The name of the file | new-bank-partner-invoice-113 |
| Bank Partner (BANK_PARTNER) | The bank partner or the financial model (BANK_FRICK, UNZER_LUX, UNZER_ECOM) | UNZER_LUX |