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CAMT.053(beta)

This is a beta feature. Please report any issues to ICEPAY.

This documentation describes the structure and logic behind the camt.053 XML exports generated. It includes transaction logic, balances, and account-type specific behavior.

Export Formats

There are two export options:

  • Single File Export: One CAMT file containing all accounts in a single <BkToCstmrStmt> block.
  • Zipped Export: A ZIP archive containing individual CAMT files, one per account.

Each CAMT file conforms to the camt.053.001.02 XML standard.

Structure

Account Types & Transaction Entries

1. Transaction Account

Used to track all merchant-facing transactions.

Possible Entries:

  • Payments: Incoming payments.
  • Refunds: Returned funds to customers.
  • Invoices: Entries related to invoicing or costs.
  • Payout: A single credit entry that moves all available funds to the Transit Account.
  • Holdback: Debit entries reserving funds to the Holdback Account.
  • Holdback Release: Credit entries when holdbacks are released.
Payment entry example 
  <Ntry>
    <NtryRef>payment-123456789</NtryRef>
    <Amt Ccy="EUR">250.00</Amt>
    <CdtDbtInd>CRDT</CdtDbtInd>
    <Sts>BOOK</Sts>
    <BookgDt>
      <Dt>2025-04-11</Dt>
    </BookgDt>
    <NtryDtls>
      <TxDtls>
        <Refs>
          <PmtInfId>123456789</PmtInfId>
        </Refs>
        <RmtInf>
          <Ustrd>Description: Ice cream with sprinkles</Ustrd>
          <Ustrd>OrderID: OR-123412</Ustrd>
          <Ustrd>Reference: 987654321</Ustrd>
        </RmtInf>
      </TxDtls>
    </NtryDtls>
  </Ntry>
  • CdtDbtInd: Either CRDT or DBIT.
  • Sts: Status of the transaction, this is always BOOK (booked).
  • BookgDt: Booking date of the transaction.
  • PmtInfId: Unique identifier for the transaction. (PaymentID, InvoiceID, etc.)
  • NtryDtls/TxDtls: Details including payment reference, description, order ID, and more.
    • Ustrd Description: Description of the Payment.
    • Ustrd OrderID: If using the Checkout API, ths will be the Checkout Reference, see Creating a checkout.
    • Ustrd Reference: Reference of the Payment.

Balance information:

  • The closing balance of the Transaction Account is always €0.
    • This is because all available funds are moved to the Transit Account when the statement is created.
Balance example
Entry Description Credit (€) Debit (€) Balance After Entry
Incoming Payments 250.00 €250.00
Refund 100.00 €150.00
Invoice 50.00 €100.00
Holdback 50.00 €50.00
Payout 50.00 €0.00
Closing Balance €0.00

2. Transit Account

Used to track fund movements between ICEPAY and external bank transfers.

Possible Entries:

  • Payout from Transaction Account (Credit/Debit)
  • Successful Transfer (to external bank) (Credit/Debit)
  • Old/Delayed Transfer Bookings (Credit/Debit)
Payout entry example 
  <Ntry>
    <NtryRef>payout-12345</NtryRef>
    <Amt Ccy="EUR">200.00</Amt>
    <CdtDbtInd>CRDT</CdtDbtInd>
    <Sts>BOOK</Sts>
    <BookgDt>
      <Dt>2025-04-07</Dt>
    </BookgDt>
    <NtryDtls>
      <TxDtls>
        <Refs>
          <PmtInfId>12345</PmtInfId>
        </Refs>
        <RmtInf>
          <Ustrd>Payout: S12345</Ustrd>
        </RmtInf>
      </TxDtls>
    </NtryDtls>
  </Ntry>

Balance information:

  • Opening balance of the current statement is the Closing balance of the previous statement.
  • Balance increased with the total payout amount.
  • Balance decreased when a transfer is finalized.
Balance example

Previous statement had a closing balance of €500.

Entry Description Credit (€) Debit (€) Balance After Entry
Opening Balance €500.00
Payout for Current Period 200.00 €700.00
Previous Transfer Succeeded 500.00 €200.00
Closing Balance €200.00

3. Holdback Account

Used to reserve or release portions of funds as financial risk mitigation.

Possible Entries:

  • Holdback (incoming): Funds moved from the Transaction Account.
  • Holdback Release (outgoing): Funds returned to the Transaction Account.

Balance information:

  • Balance increases with holdbacks booked.
  • Decreases with holdbacks released.
Holdback entry example 
    <Ntry>
      <NtryRef>holdback-1234</NtryRef>
      <Amt Ccy="EUR">10.00</Amt>
      <CdtDbtInd>CRDT</CdtDbtInd>
      <Sts>BOOK</Sts>
      <BookgDt>
        <Dt>2025-04-07</Dt>
      </BookgDt>
      <NtryDtls>
        <TxDtls>
          <Refs>
            <PmtInfId>1234</PmtInfId>
          </Refs>
          <RmtInf>
            <Ustrd>Holdback: 1234</Ustrd>
          </RmtInf>
        </TxDtls>
      </NtryDtls>
    </Ntry>
Holdback release entry example 
    <Ntry>
      <NtryRef>holdback-released-1234</NtryRef>
      <Amt Ccy="EUR">10.00</Amt>
      <CdtDbtInd>DBIT</CdtDbtInd>
      <Sts>BOOK</Sts>
      <BookgDt>
        <Dt>2025-04-07</Dt>
      </BookgDt>
      <NtryDtls>
        <TxDtls>
          <Refs>
            <PmtInfId>1234</PmtInfId>
          </Refs>
          <RmtInf>
            <Ustrd>Holdback released: 1234</Ustrd>
          </RmtInf>
        </TxDtls>
      </NtryDtls>
    </Ntry>

Summary Elements Explained

Each statement (<TxsSummry>) can include:

<TxsSummry>
  <TtlNtries>
    <NbOfNtries>5</NbOfNtries>
    <Sum>500.00</Sum>
    <TtlNetNtryAmt>0.00</TtlNetNtryAmt>
    <CdtDbtInd>CRDT</CdtDbtInd>
  </TtlNtries>
  <TtlCdtNtries>
    <NbOfNtries>1</NbOfNtries>
    <Sum>250.00</Sum>
  </TtlCdtNtries>
  <TtlDbtNtries>
    <NbOfNtries>4</NbOfNtries>
    <Sum>250.50</Sum>
  </TtlDbtNtries>
</TxsSummry>
  • TtlNtries: Total number and amount of all entries in this statement.
  • TtlCdtNtries: Total number and amount of credit entries.
  • TtlDbtNtries: Total number and amount of debit entries.
  • TtlNetNtryAmt: Sum of all credits minus debits.
  • CdtDbtInd: Indicates if the net result is a credit or debit.

For questions, contact ICEPAY or refer to the documentation of the bookkeeping software used.