The <journal> element
The <journal> element of the transfer report contains the key information in the report.
This key information specifies the payment events (journalType): SETTLED, REFUNDED, or CHARGED_BACK.
The <journal> element also contains the date of the transaction and the related transactions between the different accounts in the system for that payment event. The transactions between SETTLED_BIBIT_NET and the related accounts are described in the account transactions: <accountTx>.
In the <accountTx> element: the amount, the currency, and the exponent of the transaction are specified. The debitCreditIndicator shows whether the transaction is positive (“credit”) or negative (“debit”).
The example below shows transfers to the accounts SETTLED_BIBIT_COMMISSION and SETTLED_BIBIT_NET. An original order amount of EUR 33,96 is partially transferred to the merchant’s account (EUR 32,94) and partially transferred to the account that contains the commission (EUR 1,02):
<accountTx accountType="SETTLED_BIBIT_COMMISSION">
<amount value="102" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
</accountTx>
<accountTx accountType="SETTLED_BIBIT_NET" batchId="20">
<amount value="3294" currencyCode="EUR" exponent="2" debitCreditIndicator="credit"/>
</accountTx>