Product RDFs

The Product RDFs contain data for specific SoFi Tech Solutions products. See About the Raw Data Files (RDFs) for general information on RDFs.

• ACH
  • ACH Returns — Data on ACH transactions that were returned on the previous day.
  • Early ACH — Data for incoming ACH credit transactions that were posted early, along with the number of days they were posted early.
  • Incoming ACH — Data on all incoming ACH transactions for the prior day, including both ACH debits and ACH credits.
  • Incoming ACH Manual Review — Data on all incoming ACH transactions available in the manual review queue.
  • Outgoing ACH — Data on all outgoing ACH credits for the prior day, excepting bank holidays and weekends.
• B2B Customer Master Supplemental — Showing which RTF or Corporate Credit funding accounts are linked to which spending accounts.
• Bad PAN Authorizations — Authorization requests from card numbers with your BIN, but the PAN does not exist in the system.
• Credit — Data on credit accounts (primary and authorized users)
• Direct Deposit Switch — Data on direct deposits set up using the switch.
• Fleet Data — Data on all transaction activity of fleet-card profiles along with additional level 2 and 3 data.
• Fraud Rule Detail — Data on transactions that triggered fraud rules.
• Frequent Disputer — Dispute-related data on individual accounts, including statistics on dispute frequency and funds lost and won.
• Interest Savings Supplemental (ISS) — Data on interest-bearing accounts: interest accrual, interest year-to-date, and annual percentage yield earned for a savings account
• Monthly Interest Savings — Soon-to-come replacement for the ISS RDF.
• MSI Installments — Data on MSI installments, a Mexico product.
• Overdraft Details — Information related to overdraft accounts and transactions.
• Payment Method Switch — Data on payment method switch transactions.
• Secondary Accounts — Newly documented. All accounts not included in the Customer Master RDF.

ACH Returns RDF

The ACH Returns RDF offers insights into returns that SoFi Tech Solutions performs for incoming ACH transactions. When processing an incoming ACH transaction, SoFi Tech Solutions may return a transaction in any of the following ways:

• The SoFi Tech Solutions platform automatically initiates a return based on Nacha rules.
• A SoFi Tech Solutions or client-side operations agent manually initiates a return through the CST.
• A client-side operations agent uses a third-party web tool that calls the Program API to initiate the return.

This report does not include data on returns for ACH transactions originated on the SoFi Tech Solutions platform. You can find that data in the Outgoing ACH RDF.

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July–Aug 2026 changes to this RDF

• Currency amounts are now rendered as 15.0 instead of 15.00.
• Trailing spaces have been removed from Transaction Type.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• Duplicate entries are no longer produced.
• New fields added at the end: PRN, Program ID, Product ID
• PascalCase field names are now separate words: Source Name, Deb Cred Indicator, Received Date, Effective Date, Return Date, Return Reason Code, Return Reason Description, Trans ID

Insights for you

• Identify the reasons for high return rates and develop a plan in place to address it
• Identify potential fraudulent ACH activity based on return codes

This table contains default fields for the ACH Returns RDF.

• The primary key for this file is Trans ID.
• The filename format is ach_returns_report_%Y%m%d.csv.
• All DATETIME fields are YYYY-MM-DD h24:mm:ss.
• Consult ACH Tracking and Troubleshooting for more information on the various transaction IDs.

Early ACH RDF

The Early ACH RDF provides data for incoming ACH credit transactions that were posted early, along with the number of days they were posted early. You can use this data to analyze the benefit of using early ACH as a service and for your reconciliation needs. Because early ACH applies to incoming ACH transactions, you can also see these transactions in the Incoming ACH RDF.

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July–Aug 2026 changes to this RDF

• Currency amounts are now rendered as 15.0 instead of 15.00.
• Trailing spaces have been removed from Transaction Type.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• New fields added: CAD, Category, Subcategory, Early Days, Posting Date

Insights for you

• In conjunction with other RDFs, correlate the effects of early ACH on driving spend
• Identify changes in direct-deposit enrollment rate.

This table contains standard fields for the Early ACH RDF.

• The primary key for this file is Transaction ID.
• The filename format is early_ach_report_%Y%m%d.csv.
• All DATETIME fields are YYYY-MM-DD h24:mm:ss.
• Consult ACH Tracking and Troubleshooting for more information on the various transaction IDs.

Incoming ACH RDF

The Incoming ACH RDF provides data for all incoming ACH transactions for the prior day, including both ACH debits and ACH credits. This file helps you reconcile ACH transactions.

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July–Aug 2026 changes to this RDF

• Description updates to Company Name, Company ID, Company Name
• Currency amounts are now rendered as 15.0 instead of 15.00.
• Trailing spaces have been removed from Transaction Type.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• Non-ACH transactions are no longer included in this file.
• Autorization changed to Authorization

This table contains default fields for the Incoming ACH RDF.

• The primary key for this file is Authorization Code + Transaction Type.
• The filename format is incoming_ach_report_%Y%m%d.csv.

Incoming ACH Manual Review RDF

The Incoming ACH Manual Review RDF offers data on transactions added to the manual review queue and actioned on the previous day, as well as any unactioned transactions added within the last 7 days.

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July–Aug 2026 changes to this RDF

• Description updates to COMPANY_NAME, COMPANY_ID, COMPANY_NAME
• GALILEO_SYSTEM_MIDDLE_NAME → GALILEO_MIDDLE_NAME
• GALILEO_SYSTEM_LAST_NAME → GALILEO_LAST_NAME
• DESTINATION_ACCOUNT_NO is now decrypted.
• Now including the transactions added to the manual review queue on the previous day plus unactioned transactions from the last 7 days.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• Non-ACH transactions are no longer included in this file.
• AMOUNT is unsigned: no D or C to indicate debit or credit; use COMPANY_ENTRY_DESC

Insights for you

Transactions that meet certain criteria enabled for the program are queued, such as threshold validation or name mismatch.

This table contains default fields for the Incoming ACH Manual Review RDF.

• The primary key for this file is TRANS_ID.
• The filename format is incoming_ach_manual_review_%Y%m%d.csv.
• All DATETIME fields are YYYY-MM-DD h24:mm:ss.

Outgoing ACH RDF

The Outgoing ACH RDF provides data for ACH credits and debits that SoFi Tech Solutions originated on the previous day. This file includes transactions that either debit or credit the SoFi Tech Solutions account.

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July–Aug 2026 changes to this RDF

• New fields: REMITTANCE_INFO, RECORD_TYPE, PMT_ID, XID, DSCR
• New primary key, as shown below. Was: ORIG_TRACE
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• RECORD_TYPE: F rows will not have return data in these fields: RETURN_DT, RETURN_CODE
• You will see more rows for returns, because we will include the original forward.
• You will see fewer rows because we won't include non-financial ACH activities (C codes); we only show R (return) codes.
• Currency amounts are now rendered as 15.0 instead of 15.00.
• Column header RECIEVED → RECEIVED.
• The NAME field supports this character set.

This table contains default fields for the Outgoing ACH RDF.

• The primary key for this file is SOURCE_TRACE + RECORD_TYPE + ADJ_ID + RETURN_DT
• The filename format is ach_out_report_%Y%m%d.csv.

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Notice

On weekends (Saturday and Sunday) and bank holidays, our internal processes generate and send empty files for this RDF. For example, if the 10th is a Saturday and the 11th is a Sunday, then the RDFs you receive on the 11th and the 12th will contain no data.

B2B Customer Master Supplemental RDF

The B2B Customer Master Supplemental RDF shows the relationship between Real-Time Funding or Corporate Credit spending accounts and their respective funding accounts. It also provides balances for the funding accounts.

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July–Aug 2026 changes to this RDF

• CH_GROUP_ID is now being populated.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• The _BALANCE fields now contain 15.0 instead of 15.00.

This table contains default fields for the B2B Customer Master Supplemental RDF.

• The primary key for this file is PRN or XID.
• The filename format is b2b_custmaster_supplemental_%y%m%d.csv

Bad PAN Authorizations RDF

The Bad PAN Authorizations RDF contains a list of authorization requests from card numbers with your BIN, but the PAN does not exist in the system. These attempted transactions could be fraudulent.

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July–Aug 2026 changes to this RDF

• This RDF replaces the Invalid Card Transaction RDF.
• BILLING AMOUNT retains the original sign.
• SLI INDICATOR shows a single digit rather than the full DE048 string.
• TRANSACTION TYPE contains the auth_tran_type value instead of the whole DE003 string.
• NETWORK CODE contains the correct value instead of M for all instances.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• New fields added: AUTHORIZATION CODE (first column), REVERSAL ID, ASSOCIATION TRANS ID, BAI, TERMINAL NETWORK
• Some RDFs had a CAD field; this file contains AUTHORIZATION CODE instead.
• Currency amounts are now rendered as 15.0 instead of 15.00.
• Trailing spaces trimmed from these fields: ADVICE REASON CODE, MESSAGE TYPE FLAG, TERMINAL ID

This table contains default fields for the Bad PAN Authorizations RDF.

• The primary key for this file is AUTHORIZATION CODE.
• The filename format is [client]_badpan_authorizations_%Y%m%d.csv
• All DATETIME fields are YYYY-MM-DD h24:mm:ss.
• See Data Elements to correlate the DEs with other SoFi Tech Solutions resources.

Credit RDF

The Credit RDF is the primary data source about credit accounts and includes information related to billing cycle activity and delinquency for compliance reporting, reconciliation, and internal analytics. The Credit RDF is delivered daily via secure file transfer (SFTP).

• The primary key for this file is BAL_ID
• The filename format is credit_rdf_YYYYMMDD.csv

Direct Deposit Switch RDF

The Direct Deposit Switch RDF provides data on direct deposit switch transactions.

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July–Aug 2026 changes to this RDF

• File name in all lower-case letters.
• Field names are now in CAPITAL_SNAKE_CASE instead of snake_case.
• New fields: PRODUCT, PAYMENT_TYPE, COMPANY, ACCOUNT_TYPE
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>

This table contains default fields for the Direct Deposit Switch RDF.

• The primary key for this file is GALILEO_GUID.
• The filename format is ddswitch_transactions_%Y%m%d.csv.

Fleet Data RDF

The Fleet Card RDF provides data on all transaction activity of fleet-card profiles along with additional level 2 and 3 data. This file can be used to predict transaction volume and interchange revenue by forecasting driver spend, expected fuel refill timing and transaction amount. Additionally, you can identify any dormant fleet cards, monitor for any fraudulent transactions outside of normal fleet-card operations, utilize fleet-card data to develop spend and driver controls, etc.

This RDF also contains specific data that will help provide insights to corporate customers of driver spend patterns and vehicle usage. Additionally, given Mastercard's new fleet mandates, this RDF also includes all new enhanced data elements needed to meet the new fleet card data capabilities.

Insights

This file provides key insights for both you and your business customers. For example, it helps you calculate the AMPG:

AMPG = (current odometer reading (PDS 0629) – previous odometer reading) / (previous number of fuel gallons purchased (PDS 0643))

Insights for your business customers

• Vehicle lifetime value
  • Average vehicle lifetime mileage
  • Percentage each vehicle has reached
• Driver performance
  • AMPG per driver
• Budgeting
  • ((driver AMPG) x (number of fuel gallons filled)) / (miles driven per day) = predict when the driver will refuel next

Insights for you

• Number of inactive fleet cards that you deactivate to save costs
• Identify and block atypical transactions based on driver's spend history
• Provide rewards and promote stickiness utilizing fuel company brand data
• Forecast revenue using frequency of driver refueling events and average spend.
  Expected monthly interchange = (interchange %) x (average cost of fuel refill) x (days in month) /(((AMPG) x (number of fuel gallons purchased)) / (miles driven per day))

File information

• The filename format is fleetfile_%Y%m%d.csv.
• See Fleet Cards for more information about the product.
• To interpret the codes in the fields, obtain the IPM Clearing Formats guide from Mastercard.
  For this RDF, three or more addendum rows are provided per transaction, according to this criteria
• Row 1 — Corporate card common data. Provided when the associated first presentment/1240 message meets all of these conditions:
  • The product is any corporate product.
  • The card acceptor country code (DE045 subfield 6) is "USA".
  • The cardholder transaction type (DE003 subfield 1) is 00 (purchase) or 18 (unique).
  • The transaction is not a reversal.
• Row 2 — Corporate fleet transaction information. Provided when the associated first presentment/1240 message is a Mastercard Corporate Fleet Card transaction for a fuel or non-fuel purchase.
• Rows 3–n — Corporate line-item detail. Provided when non-fuel items are purchased alongside fuel, using a fleet card.

The corporate line-item detail is provided for each additional non-fuel item purchased using a fleet card, so if a cardholder purchases five items in one transaction, the RDF will contain seven rows: one common data requirements row, one fleet transaction information row and five detail addendum rows. All rows that belong to the same transaction will have the same auth_code + network_code.

The auth_code + network_code is the foreign key to the associated financial transaction in the Posted Transactions RDF, matching the AUTHORIZATION CODE and NETWORK CODE fields in the RDF.

All rows

This table contains fields that are present in all row types.

{
    "card_acceptor_type":{
        "_raw":"1000YNNN",
        "business_type":"1",
        "business_owner_type":"0",
        "business_cert_type":"0",
        "business_eth_type":"0",
        "business_type_code":"Y",
        "business_owner_type_code":"N",
        "business_cert_type_code":"N",
        "business_eth_type_code":"N"
        },
    "card_acceptor_tax_id":{
        "_raw":"830197092           Y",
        "tax_id":"830197092           ",
        "tax_id_code":"Y"
        }
  }

{
    "oil_company_brand_name":"9999",
    "purchase_time":"0809",
    "motor_fuel_service_type":"1",
    "motor_fuel_information":{
        "_raw":"00300000000409910002422000000000992",
        "motor_fuel_product_code":"003",
        "motor_fuel_unit_price":"000000004099",
        "motor_fuel_unit_of_measure":"1",
        "motor_fuel_quantity":"000242",
     "motor_fuel_quantity_exponent":"4",
        "motor_fuel_sale_amount":"000000000992"
        },
    "odometer_reading":"0001000",
    "vehicle_number":"5369569",
    "driver_number":"1234  ",
    "product_type_code":"1",
    "fleet_spend_control_enforced":"null",
    "fleet_fuel_information":{
        "_raw":"00100000000015810001255000000000248",
        "fleet_fuel_product_code":"001",
        "fleet_fuel_unit_price":"000000000158",
        "fleet_fuel_unit_of_measure":"1",
        "fleet_fuel_quantity":"000125",
        "fleet_fuel_quantity_exponent":"5",
        "fleet_fuel_sale_amount":"000000000248"
        },
    "fleet_prompted_data_1":{
        "_raw":"00581523",
        "prompt_code_1":"005",
        "driver_related_data_1":"81523"
        },
   "fleet_prompted_data_2":{
        "_raw":"01017364557",
        "prompt_code_2":"010",
        "driver_related_data_2":"17364557"
        },
   "fleet_prompted_data_3":{
        "_raw":"0241856",
        "prompt_code_3":"024",
        "driver_related_data_3":"1856"
        },
   "fleet_prompted_data_4":{
        "_raw":"0121045",
        "prompt_code_4":"012",
        "driver_related_data_4":"1045"
        },
   "fleet_prompted_data_5":{
        "_raw":"035451122365456154",
        "prompt_code_5":"035",
        "driver_related_data_5":"451122365456154"
      },  
   }

{
     "product_code":"099",
    "item_description":"COCA COLA SODA",
    "item_quantity":{
        "_raw":"0000000000010",
        "quantity":"000000000001",
        "quantity_exponent":"0"
        },
    "item_unit_of_measure":"23",
    "item_unit_price":{
        "_raw":"0000000003990",
        "unit_price":"000000000399",
        "unit_price_exponent":"0"
        },
    "extended_item_amount":{
        "_raw":"0000000002991D",
        "extended_amount":"000000000299",
        "extended_amount_exponent":"1",
        "extended_amount_sign":"D"
        },
    "debit_or_credit_indicator":"D",
    "fleet_product_code":"101",
    "fleet_item_description":"DIESEL PREMIUM",
    "fleet_item_quantity":{
        "_raw":"0000000000121",
        "fleet_item_quantity":"000000000012",
        "fleet_item_quantity_exponent":"1"
        },
    "fleet_item_unit_of_measure":"055",
    "fleet_extended_item_amount":{
        "_raw":"0000000000122C",
        "fleet_extended_item_amount":"000000000012",
        "fleet_extended_item_amount_exponent":"2",
        "fleet_extended_item_amount_sign":"C"
      },
}

Fraud Rule Detail RDF

The Fraud Rule Details RDF provides detailed information on fraud rules and the resulting actions taken by the fraud engine. This RDF includes only the authorizations that triggered DFE/PRP rules (including those in WARN mode).

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July–Aug 2026 changes to this RDF

• The primary key is now PROG_ID + ERROR_ID. ERROR_ID is a new field.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• PROD_DESC now contains the latest, updated description instead of only the original.
• TRANSACTION_RESULT might contain trailing spaces.
• MERCHANT_NAME will contain the latest version, and any commas are escaped.
• AUTH_AMT, BALANCE are formatted as 15.0 instead of 15.

This table contains default fields for the Fraud Rule Detail RDF.

• The primary key is PROG_ID + ERROR_ID
• To reconcile the entries in this file with the Authorized Transactions RDF match AUTH_ID in this file with AUTHORIZATION CODE in the Authorized Transactions RDF.
• The filename format is fraud_rule_detail_%Y%m%d.csv.

Frequent Disputer RDF

The Frequent Disputer RDF provides information on how often your customers dispute transactions. This information can help you detect chargeback fraud.

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July–Aug 2026 changes to this RDF

• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• AVG_DISPUTE_CNT_PER_EVENT is rounded to two decimal places: 1.67 instead of 1.66666666666667.
• PROGRAM_ID added as the first column.
• WIP_AMT_PCT is formatted as 15.0 instead of 15.00.

• The primary key for this file is XID or PMT_REF_NO.
• The filename format is frequent_disputer_%Y%m%d.csv.
• We do not support historical file generation requests for this particular RDF.

This table contains default fields for the Frequent Disputer RDF.

ISS RDF

The Interest Savings Supplemental (ISS) RDF contains data about rates and accumulated interest for interest-bearing accounts.

❗️

Attention

This RDF will be deprecated soon. An official communication will contain the details. This RDF will be superseded by the Monthly Interest Savings RDF.

This table contains default fields for the ISS RDF.

• The primary key for this file is SAVINGS_ACCOUNT_ID.
• The filename format is ISS_%Y%m%d.csv.

Monthly Interest Savings RDF

Coming soon!

MSI Installments RDF

The MSI Installments RDF contains information about MSI Installments. Only transactions related to MSI Installments are included in this file.

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July–Aug 2026 changes to this RDF

• The column headers in this RDF have been standardized to be identical to the Posted Transactions RDF — This RDF adds a PDS0663 column at the end.
• New filename is msi_installments_posted_trans_%Y%m%d.csv
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>

This table contains the MSI-related field that is added at the end of Posted Transactions RDF columns.

Overdraft Details RDF

The Overdraft (OD) Details RDF provides information related to overdraft and DDA accounts for prior days.

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July–Aug 2026 changes to this RDF

• The column-header names are separate words instead of PascalCase.
• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• Balances will be as of the end of the day on the report date.
• The currency fields display 15.0 instead of 15.00.
• GPR_XID has been removed
• Two new fields: OD Principal Balance and OD Fee Balance

This table contains default fields for the OD RDF.

• The primary key for this file is OD Program ID + GPR account ID
• The filename format is od_details_DDA_%Y%m%d.csv.
• In this file, GPR refers to the primary account that draws on the overdraft account.

Secondary Accounts RDF

The Secondary Accounts RDF contains all of the accounts with changes that are not included in the Customer Master RDF.

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July–Aug 2026 changes to this RDF

• A trailer record has been added to the end of the file to indicate the number of rows in the file, not counting the header row: TTRAILER <8 spaces> <rows>
• This RDF now includes all modified accounts that are not in the Customer Master RDF, even when they have the same client ID.
• Date formatting was MMDDYYYY but now is YYYY-MM-DD h24:mm:ss.

This table contains default fields for the Secondary Accounts RDF.

• The primary key for this file is PRN or XID
• The filename format is secondary_accts_%Y%m%d.csv
• To match the accounts in this file to their respective primary accounts in the Customer Master RDF, use one of these pairs:
  • BAL_ID with GALILEO ACCOUNT ID — Sharing the same balance
  • CLIENT ID with GALILEO CLIENT ID — Belonging to the same account holder