Macquarie Connectivity Solutions

We have a wide range of connectivity services available for you to use with the aim of helping you automate and streamline the collection and reconciliation of payments as well as managing all outgoing payments. These include:

• DEFT API: Construct your own personalised payment experience supporting multiple payment methods including direct debit, payment schedules and tokenised one-off payments.
• Direct Downloads: Automate the consumption of select download file formats to streamline the reconciliation of incoming and outgoing payments.
• Direct Uploads: Remove the need to manually upload bulk payment files by sending these files automatically to us with final authorisation in MBO.

To help determine which solution is the right fit for your business, and what fees will apply, please:

• contact your relationship manager
• email us at connectivity@macquarie.com.

You should also refer to your selected third-party provider for any fees in relation to their service.

For bank account reconciliation, we support the below fixed file formats:

• TXN: An electronic version of your bank statement containing a full list of transactions processed on an account. For consolidated accounts, this will only contain a single incoming and outgoing transaction line.
• PAY: This file contains a full list of DEFT receipts.*
• BRF: This file contains a full list of BPAY^® receipts if you have chosen to use your own BPAY biller code to accept payments.*
• CSV: A CSV file containing a full list of transactions processed for an account.
• PDF: A statement file type that you can use to generate and print statements for the individual accounts you hold or manage.
• ACC: This file contains a list of accounts and information relating to each account’s facility, interest rate, rollover instructions and withholding tax status.
• MT940: This file contains account, balance, and transaction information as defined by the SWIFT network. This is only available if you are registered as a SWIFT user and have your accounts linked with SWIFT.

*You only need to download the PAY file if you’ve selected to consolidate the reporting on your account. Similarly, you only need to download the BRF if you have your own BPAY Biller code (as the reference numbers used will exist outside the DEFT ecosystem). Otherwise, the TXN file will contain a complete list of transactions.

We support the below file formats for the upload of bulk payments:

• ABA: The industry standard file format that can be used to process batch electronic file transfer transactions
• BPAY: A batch payments file for the bulk upload of BPAY transactions.