Wire Reporting APIs are Here!

We have received multiple requests to get more expansive reporting on wire activity from customers that generate large volumes of incoming and outgoing wires. The feedback has been that, though the debits/credits associated with wire transactions always appear in the account history, often times the wire details are relied upon to attribute incoming wires to customer accounts which are held on our client’s systems. A bank’s core system will usually contain 5 or less fields related to a wire, and those fields are usually limited to the amount of the wire, some basic description lines, and payment dates. Full wire metadata is often not available via online banking, statements, or other methods, leaving some customers without visibility into their wire volume detail. Thus, being able to quickly and consistently look at wire metadata to understand where incoming funds should be attributed to is an important feature we are happy to provide via 2 new API calls:

Wire Summary
Wire Detail

In combination with the ability to create sub-accounts, transfer between accounts, and view account history over the API, fully automated account reconciliation and attribution is a reality many of our customers are leveraging the API for today.

How It Works

We’ve setup a process where data for all incoming and outgoing wires to Silvergate is extracted from our wire system and imported into our API database on a real-time basis. Via the API, we’re exposing this data so that clients can query their own wire records and pull back either the top 23 fields via the Wire Summary Post (many records at once) or 106 fields via the Wire Detail Post (1 at a time).

Wire Summary

The first method is the Account/Wiresummary Post. Simply put, it queries wire data and returns the resultant record(s)s using up to 4 filters. See API definition specifics on the API tab within this portal for format, optionality, etc. This summary should be expansive enough to solve 80% of all attribution related use cases. Additionally, you can see what wires may be held in outgoing review queues, giving you increased visibility into the wire workflow.

Wire Detail

The second method is the Account/Wiredetail Post. Like its partner, it queries wire data and returns the resultant record, but it uses only 2 filters and will only return 1 wire record at a time (for performance reasons). The benefit is the exhaustive data detail it provides as it will bring back 106 data points for each record. This method is especially useful for difficult “edge” cases, or instances where granular detail on a wire is required.

Tying Wire Reporting and Transaction History Data Sets Together

Did you know that every wire record will have a corresponding Transaction History Record? Its true, and to see the associated Transaction History, you can pull the transaction history for the same time period and look in Transaction Description Line 2 (TranDescS). The description starting with “PRN:XXXXXX” will be the same as the eWire TransactionID. The team is working to further enhance the tying of these two datasets through advanced versions of current Transaction History API endpoints.

Wire Data Deeper Dive

To help shed light on the 209 possible wire data points we have access to (so far we’re exposing 106 fields we think may be of interest), we broke it down into the related data groups explained below:

Group Name	Explanation
eWire Info	These are the base fields from our wire system called eWire, including the unique Transaction Number which also shows up in transaction descriptions in online banking and statements.
Basic Payment Info	Includes basics like the Amount of the transaction and informative Fedwire codes.
Sending Bank	This group describes the bank which sends the currency.
Receiving Bank	This is group describes the bank which receives the currency.
Originator	The individual or entity whose currency is the source of funds.
Originating Bank	The bank of the individual or entity whose currency is the source of funds.
Instructing Bank	This is sometimes used when there is an extra bank facilitating the transfer.
Beneficiary	The ultimate recipient of the funds.
Beneficiary Bank	The ultimate bank of the recipient.
Intermediary Bank	This is sometimes used when there is an extra bank facilitating the transfer.
Reference Numbers	These are federal reference numbers including IMAD and OMAD data points.
Charges	Data related to any charges incurred across any participating bank.

For further field by field definition, see this table:

Data Group Name	Field Name	Sample data	Data Type	Length
eWire Info	TransactionNumber_1	201709060037038	varchar	15
	MethodOfPayment_2	7	varchar	10
	InstitutionCode_3	H34	varchar	10
	BranchCode_4	1	varchar	10
	DepartmentCode_5	130	varchar	10
	BookCreditInstitutionCode_6	H34	varchar	10
	BookCreditBranchCode_7	1	varchar	10
Basic Payment Info	PaymnentDate_8	42984	date	10
	ValueDate_9	42984	date	10
	ExternalSequenceNumber_10	4265000351	varchar	10
	CurrencyCode_11	USD	varchar	10
	Amount_12	10000000	integer (2 decimals)	10
	TotalBillCharges_13	30	integer (2 decimals)	10
	TotalDeductCharges_14	0	integer (2 decimals)	10
	BeneficiaryType_15	N	varchar	10
	FedWireProductCode_16	CTR	varchar	10
	FedwireType_17	10	varchar	10
	FedwireSubType_18	08	varchar	10
	AchClass_19	0	varchar	40
	AchCode_20	0	varchar	40
	SourceIndicator_21	FED	varchar	10
	ReferenceForBeneficiary_22	1709061625000030	varchar	16
	SendersReference_23	3230758800055350	varchar	16
Sending Bank	SendingBankType_24	F	varchar	10
	SendingBankId_25	325181248	varchar	10
	SendingBankName_26	Example Fed Bank	varchar	35
	SendingBankAddress1_27	101 Main St.	varchar	40
	SendingBankAddress2_28	New York	varchar	25
	SendingBankAddress3_29	NY	varchar	10
	AdviceAddress_30	0	varchar	40
	AdviceMethod_31	0	varchar	40
Receiving Bank	SwiftAdviceMessageType_32	0	varchar	40
	ReceivingBankType_33	F	varchar	10
	ReceivingBankId_34	323371076	varchar	11
	ReceivingBankName_35	Example Fed Bank	varchar	35
	ReceivingBankAddress1_36	101 Main St.	varchar	40
	ReceivingBankAddress2_37	San Diego	varchar	25
	ReceivingBankAddress3_38	CA	varchar	10
	AdviceAddress_39	0	varchar	40
	AdviceMethod_40	0	varchar	40
Originator	SwiftAdviceMessageType_41	0	varchar	40
	OriginatorType_42	X	varchar	10
	OriginatorId_43	205000100013506	varchar	29
	Name_44	Satoshi Nakamoto	varchar	35
	Address1_45	100 Main St.	varchar	35
	Address2_46	City, zip	varchar	35
	Address3_47	City, zip, country	varchar	35
	AdviceAddress_48	0	varchar	161
	AdviceMethod_49	0	varchar	10
	SwiftMessageType_50	0	varchar	40
Originating Bank	OriginatingBankType_51	S	varchar	10
	Id_52	BANKXXXXX	varchar	14
	Name_53	Fake Bank	varchar	35
	Address1_54	100 Main St.	varchar	35
	Address2_55	City, zip	varchar	35
	Address3_56	City, zip, country	varchar	35
	AdviceAddress_57	0	varchar	40
	AdviceMethod_58	0	varchar	40
	SwiftAdviceMessageType_59	0	varchar	40
	InstructingBankType_60	S	varchar	10
	Id_61	BANKXXXXX	varchar	11
	Name_62	Fake Bank	varchar	35
	Address1_63	100 Main St.	varchar	35
	Address2_64	City, zip	varchar	35
	Address3_65	City, zip, country	varchar	35
	AdviceAddress_66	0	varchar	40
	AdviceMethod_67	0	varchar	10
	SwiftAdviceMessageType_68	0	varchar	40
Beneficiary	BeneficiaryType_69	0	varchar	10
	BeneficiaryId_70	1234567890	varchar	24
	Name_71	Bene Name	varchar	35
	Address1_72	101 address	varchar	35
	Address2_73	101 address	varchar	35
	Address3_74	101 address	varchar	26
	AdviceAddress_75	0	varchar	136
	AdviceMethod_76	8	varchar	10
	SwiftAdviceMessageType_77	0	varchar	40
Beneficiary Bank	BeneficiaryBankType_78	D	varchar	10
	Id_79	110000100010240	varchar	15
	Name_80	FRB WIRE SETTLEMENT	varchar	35
	Address1_81	101 address	varchar	35
	Address2_82	101 address	varchar	35
	Address3_83	101 address	varchar	35
	AdviceAddress_84	0	varchar	25
	AdviceMethod_85	8	varchar	10
	SwiftAdviceMessageType_86	0	varchar	40
Intermediary Bank	IntermediaryBankType_87	S	varchar	40
	Id_88	1234567890	varchar	40
	Name_89	Bene Name	varchar	40
	Address1_90	101 address	varchar	40
	Address2_91	101 address	varchar	40
	Address3_92	101 address	varchar	40
	AdviceAddress_93	0	varchar	40
	AdviceMethod_94	0	varchar	40
	SwiftAdviceMessageType_95	0	varchar	40
Basic Payment Info	OriginatorToBeneficiaryInfoLine1_96	322286803	varchar	35
	OriginatorToBeneficiaryInfoLine2_97	3001215700	varchar	35
	OriginatorToBeneficiaryInfoLine3_98	18593612	varchar	35
	OriginatorToBeneficiaryInfoLine4_99	520286326	varchar	35
	BankToBAnkInfoLine1_100	405	varchar	35
	BankToBAnkInfoLine2_101	0	varchar	35
	BankToBAnkInfoLine3_102	0	varchar	35
	BankToBAnkInfoLine4_103	0	varchar	26
	BankToBAnkInfoLine5_104	0	varchar	10
	BankToBAnkInfoLine6_105	0	varchar	40
eWire Info	AdviceInformationLine1_106	0	varchar	30
	AdviceInformationLine2_107	0	varchar	40
	AdviceInformationLine3_108	0	varchar	40
	AdviceInformationLine4_109	0	varchar	40
	AdviceInformationLine5_110	0	varchar	40
	AdviceInformationLine6_111	0	varchar	40
Reference Numbers	ChipsIsn_112	0	varchar	40
	ChipsOsn_113	0	varchar	40
	ChipsPsn_114	0	varchar	40
	ChipsRsn_115	0	varchar	40
	ChipsSsn_116	0	varchar	40
	ImadCycleDate_117	20170906	date	10
	ImadCalendarDate_118	906	date (MMDD)	10
	ImadApplicationId_119	0	varchar	40
	Imsn_120	57377	varchar	10
	ImadLtermId_121	ABC1234	varchar	10
	ImadTime_122	2336	date	10
	OmadCycleData_123	20170906	date	10
	OmadCalendarDate_124	906	date	10
	OmadApplicationId_125	FT01	varchar	10
	OmadLtermId_126	ABC1234	varchar	10
	Omsn_127	62496	varchar	10
	OmadTime_128	2336	varchar	10
Basic Payment Info	CurrencyInstructedAmountIncomingMt103_129	USD12700,00	varchar	13
Basic Payment Info	ExchangeRateIncomingMt103_130	12662000	varchar	10
Charges	DetailOfChanrgesIncomingMt103_131	SHA	varchar	10
	SendersChargesIncomingMt103_132	USD25,00	varchar	10
	SendersChargesIncomingMt103_133	USD25,00	varchar	10
	SendersChargesIncomingMt103_134	USD25,00	varchar	40
	SendersChargesIncomingMt103_135	0	varchar	40
	ReceiversChargesIncomingMt103_136	0	varchar	40
Basic Payment Info	TransactionTypeCodeIncomingMt103_137	0	varchar	40
Reference Numbers	EntryDate_138	42985	date	16
	CompletionDate_139	42984	date	10
	CancelDate_140	42984	date	10
	TerminateDate_141	0	date	40
	RolloverDate_142	42983	date	10
	PrintedDate_143	0	date	40
eWire Info	OfacCheckFlag_144	42	varchar	10
Basic Payment Info	EdiFlag_145	0	varchar	10
Basic Payment Info	PreNotificationFlag_146	0	varchar	10
eWire Info	TemplateName_147	0	varchar	13
	TemplateVersionNumber_148	1	varchar	10
	Memo_149	0	varchar	536
Basic Payment Info	BeneficiaryCountryCode_150	0	varchar	10
	BeneficiaryBankCountyCode_151	0	varchar	40
	ReasonPaymentLine1_152	0	varchar	40
	ReasonPaymentLine2_153	0	varchar	20
	DebitAccountType_154	D	varchar	10
	DebitAccountId_155	000000001234567	varchar	15
	CreditAccountType_156	D	varchar	10
	CreditAccountId_157	000000001234567	varchar	15
	LocalAmount_158	10000000	integer (2 decimals)	10
	PaidAmount_159	10000000	integer (2 decimals)	10
	OverrideCharges_160	30	integer (2 decimals)	10
	RemittanceCurrency_161	USD	varchar	10
	RemitanceAmount_162	0	integer (2 decimals)	10
	RemitanceAppliedRate_163	0	varchar	10
	RemitanceType_164	0	varchar	40
	AdditionalPaymentDataFlag_165	0	varchar	40
	CoverOriginatorType_166	0	varchar	40
	AdditionalPaymentDataOriginatorId_167	0	varchar	40
	Name_168	0	varchar	40
	Address1_169	0	varchar	40
	Address2_170	0	varchar	40
	Address3_171	0	varchar	40
	AdditionalPaymentDataOrderingBankType_172	0	varchar	40
	AdditionalPaymentDataOrderingBankId_173	0	varchar	40
	Name_174	0	varchar	10
	Address1_175	0	varchar	40
	Address2_176	0	varchar	40
	Address3_177	0	varchar	40
	AdditionalPaymentDataIntermediaryBankType_178	0	varchar	40
	AdditionalPaymentDataIntermediaryBankId_179	0	varchar	40
	Name_180	0	varchar	40
	Address1_181	0	varchar	40
	Address2_182	0	varchar	40
	Address3_183	0	varchar	40
	AdditionalPaymentDataBeneficiaryBankType_184	0	varchar	40
	AdditionalPaymentDataBeneficiaryBankId_185	0	varchar	40
	Name_186	0	varchar	40
	Address1_187	0	varchar	40
	Address2_188	0	varchar	40
	Address3_189	0	varchar	40
	AdditionalPaymentDataBeneficiaryType_190	0	varchar	40
	AdditionalPaymentDataBeneficiaryId_191	0	varchar	40
	Name_192	0	varchar	40
	Address1_193	0	varchar	40
	Address2_194	0	varchar	40
	Address3_195	0	varchar	40
	AdditionalPaymentDataOriginatorToBeneficiaryInfoLine1_196	0	varchar	40
	AdditionalPaymentDataOriginatorToBeneficiaryInfoLine2_197	0	varchar	40
	AdditionalPaymentDataOriginatorToBeneficiaryInfoLine3_198	0	varchar	40
	AdditionalPaymentDataOriginatorToBeneficiaryInfoLine4_199	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine1_200	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine2_201	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine3_202	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine4_203	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine5_204	0	varchar	40
	AdditionalPaymentDataBankToBankInfoLine6_205	0	varchar	40
	AdditionalPaymentDataCurrencyInstructedAmtMt103_206	0	varchar	40
	AdditionalPaymentDataData_207	0	varchar	40
	DebitCustomer_208	0	varchar	40
	CreditCustomer_209	0	varchar	40

Best of luck in leveraging this new feature. If you have questions or would like a detailed session with the API team, please contact us at APISupport@silvergatebank.com

The Silvergate API Team