Reports

Reports are pivotal in offering a comprehensive overview of the credit card product's operation. The out-of-the-box reports, generated by default, are meticulously designed to provide complete visibility into various facets of the product's performance.

Additional reports

If you need a custom report, get in contact with MO's support and we will developed it with your respective needs.

Report types

MO's system will provide reports for scores (LOC), card account holders, card account details, pre-loan requests, loans, payments, and disputes.

All reports are generated daily at 3:00 AM UTC-5 and include all transactions up to 11:59 PM on the previous day.

Below, you will find the list of reports and the fields they include:

Score (LOC)

Field	Description
CUSTOMER_ID	Unique ID assigned by the processor for each customer. This ID remains consistent for any operation the customer performs.
CARD_ACCOUNT_ID	A unique identifier assigned to the card account for accurate and distinct identification.
PRE_APPROVED_LINE_OF_CREDIT	The predetermined amount of credit preapproved for the customer, expressed in the local currency.
SCORE	The result from a scoring model indicating the creditworthiness of the customer, represented as a value between 0 and 1.
SCORE_DATE	The date on which the scoring model was applied to generate the customer's credit score.
LOC	Line of Credit preapproved amount + extra limit amount in local currency.
PRODUCT	Account's segment name based on LOC or other business rule defined. It will show the range of the product.
SEGMENT	Account's segment based on LOC or other business rule defined. It will show the range of the product.
LAST UPDATE	Last LOC update.

Card account holder

Field	Description
CUSTOMER_ID	Unique identifier assigned to each customer for individual tracking and reference.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account for accurate and distinct identification.
ACCOUNT_OWNER	Name of the individual who owns the account.
ACCOUNT_TYPE	Specifies the type of the account in the Processor. Depending on the processor it can be Primary or Secondary..
ACCOUNT_STATUS	Status of the card account: Frozen, Blocked, Active, Canceled.
PRODUCT_ID	Product ID associated to the account.
LINE_OF_CREDIT	Current approved line of credit.
AVAILABLE_AMOUNT	Amount of the credit line currently available for use.
TOTAL_DEBT	Total amount of outstanding debt.
PAY_OFF_AMOUNT	Amount needed to avoid ordinary interest charges.
MINIMUM_PAYMENT	Minimum amount required to be paid each billing cycle.
POSITIVE_BALANCE_AMOUNT	Available balance that the account owner can expend.
CLOSING_DATE	Date to close the billing cycle.
MAXIMUM_PAYMENT_DATE	Maximum date by which the minimum payment must be made.
LAST_PAYMENTS	Total sum of payments made in the last billing cycle.
LAST_ACTIVITY_DATE	Date of the last transaction made by the client.

Card account detail

Field	Description
CUSTOMER_ID	Unique identifier assigned to each customer.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account.
CREDIT_CARD_ID	Unique ID for the card.
ACCOUNT_OWNER	Name of the individual owning the account.
ACCOUNT_TYPE	Specifies the type of account in Processor. It can have two possible values: Primary or Secondary.
ACCOUNT_STATUS	Status of the card account: Frozen, Blocked, Active, Canceled, Archived.
PRODUCT_ID	Unique identifier for the associated product.
OFFERS	Unique identifiers for all associated offers.
LINE_OF_CREDIT	Current approved line of credit.
NUMBER_OF_RELATED_CARDS	Number of credit cards or PRN related to the account.
AVAILABLE_AMOUNT	Amount of the credit line currently available for use.
TOTAL_DEBT	Total amount of outstanding debt.
PAY_OFF_AMOUNT	Amount needed to avoid ordinary interest charges.
MINIMUM_PAYMENT	Minimum amount required to be paid each billing cycle.
CAPITAL_AMOUNT_OF_MINIMUM_PAYMENT	Capital amount that will be paid on the min payment.
ORDINARY_INTEREST_AMOUNT_OF_MINIMUM_PAYMENT	Ordinary interest amount that will be paid on the min payment.
ORDINARY_INTEREST_TAX_AMOUNT_OF_MINIMUM_PAYMENT	Tax related to the ordinary interest amount that will be paid on the min payment.
DEFAULT_INTEREST_AMOUNT_OF_MINIMUM_PAYMENT	Default interest amount that will be paid on the min payment.
DEFAULT_INTEREST_TAX_AMOUNT_OF_MINIMUM_PAYMENT	Tax related to th default interest amount that will be paid on the min payment.
TOTAL_FEES_AMOUNT_OF_MINIMUM_PAYMENT	Total fee amount that will be paid on the min payment.
TOTAL_FEES_TAX_AMOUNT_OF_MINIMUM_PAYMENT	Tax related to the fee amount that will be paid with the min payment.
POSITIVE_BALANCE_AMOUNT	Available balance that the account owner can expend.
DAYS_ON_DEFAULT	Maximum date to pay and close the debt paying at least the minimum payment. It's the maximum payment date presented in the payment promise.
CLOSING_DATE	Date to close the billing cycle.
USER_LAST_CLOSING_DATE	Last cutoff date on which debt was recorded.
MAXIMUM_PAYMENT_DATE	Maximum date for the user to pay the minimum payment to avoid incurring late interest charges.
LAST_PAYMENTS	Total sum of payments made in the last billing cycle.
CAPITAL_DEBT	Total amount owed in capital, which includes both revolving debt and installment debt, depending on the product configuration.
FIXED_INTALLMENTS_DEBT	Total amount owed in capital that is due in fixed installments.
INTEREST_DEBT	Total amount owed in ordinary interests. It applies to both revolving and installments.
TAX_DEBT	Total amount owed in ordinary taxes on interest and fees, such as VAT.
DEFAULT_INTEREST_DEBT	Total amount owed in default interests, charged for overdue transactions.
DEFAULT_TAX_DEBT	Total amount owed in default taxes.
ADMINISTRATION_COST_DEBT	Total amount owed in administration cost or annual fees.
COLLECTION_COST_DEBT	Total amount owed in collection costs, representing the specific costs incurred when a customer fails to make timely payments.
TOTAL_ANNUAL_COST_RATE	Rate that the account owner is paying on a yearly basis for the credit card.
INTEREST_RATE	Ordinary interest rate.
DEFAULT_RATE	Total amount owed only on taxes on default interest. .
LAST_ACTIVITY_DATE	Date of the last transaction made by the client.

Pre-loans

Field	Description
PRE_LOAN_ID	Unique identifier assigned to each pre-loan.
CUSTOMER_ID	Unique identifier assigned to each customer.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account.
PRE_LOAN_AMOUNT	Amount requested by the customer that had an authorization.
PRE_LOAN_STATUS	Current loan status: Complete, Pending, Rejected.
MCC	Merchant category code. Is a four-digit code tha describes the commerce activity.
MERCHANT_NAME	Name of the merchant where the transaction took place.
TRANSACTION_DATE	Pre-loan creation date.
CONFIRMATION_DATE	Loan creation date.

Loans

Field	Description
LOAN_ID	Unique identifier assigned to each loan.
PRE_LOAN_ID	Associated pre_loan.
CUSTOMER_ID	Unique identifier assigned to each customer.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account.
OFFER_ID	Unique identifier assigned to the associated offer.
LOAN_AMOUNT	The amount confirmed for each settlement. Sometimes it may defer from the original amount
LOAN_STATUS	Current loan status: Active, Paid, Cancelled, Frozen, In Dispute.
NUMBER_INSTALLMENTS	Number of loan installments if applicable.
INTEREST_RATE	The interest rate refers to the annual percentage rate (APR) applied to the loan.
MCC	Merchant category code. Is a four-digit code tha describes the commerce activity.
MERCHANT_NAME	Name of the merchant where the transaction took place.
CONFIRMATION_DATE	Loan creation date.
LAST_UPDATE	Loan status last update date.

Payments

Field	Description
PAYMENT_ID	Unique identifier assigned to each payment.
LOAN_ID	Unique identifier assigned to each loan.
CUSTOMER_ID	Unique identifier assigned to each customer.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account.
PAYMENT_TYPE	Type of payment given by the payment gateway (e.g., Bank Account, Credit Card, Cash, etc.).
PAYMENT_STATUS	Current payment status.
TOTAL_AMOUNT	Total payment amount.
CAPITAL_AMOUNT	Capital payment amount.
INTEREST_AMOUNT	Interest payment amount for ordinary interest.
TAX_AMOUNT	Tax payment amount for ordinary interest.
DEFAULT_AMOUNT	Interest payment amount for default interest.
DEFAULT_TAX_AMOUNT	Tax payment amount for default interest.
ADMIN_COST_AMOUNT	Refers to the annual fees, or administrative costs associated with the card.
COLLECTION_COST_AMOUNT	Collection cost amount when the account is in overdue. It may vary depending on the product configuration.
MAXIMUM_PAYMENT_DATE	Maximum date to pay at least the minimum payment.
PAYMENT_DATE	Payment date.

Disputes

Field	Description
LOAN_ID	Unique identifier assigned to each loan.
CUSTOMER_ID	Unique identifier assigned to each customer.
CARD_ACCOUNT_ID	Unique identifier assigned to the card account.
LOAN_AMOUNT	Amount requested by the customer THAT WAS CONFIRMED BY A SETTLEMENT.
LOAN_STATUS	Current loan status: Active, Paid, Cancelled, Frozen, In Dispute.
DISPUTE_RESOLUTION	Dispute resolution: Won or Lost.
RESOLUTION_AMOUNT	Amount won in the dispute. Please note that for partial resolution, the amount may defer form the original loan amount.
DISPUTE_RESOLUTION_DATE	Date when the dispute was solved.
DISPUTE_EXTERNAL_ID	Unique ID for each dispute.