ETAS File Specs (Downloadable)

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Downloadable Version
This file specification may be exported to PDF for implementation, review, and onboarding purposes.

File Type	Purpose	Frequency	Format	Naming Template	Test Example	Prod Example
BUSINESS	Details of business entities	Daily (Inserts and Updates)	CSV (Pipe-delimited, UTF-8)	ClientName_Environment_business_YYYYMMDD.csv	T_business_YYYYMMDD.csv	P_business_YYYYMMDD.csv
BUSINESS Control File	Contains account details for businesses and individuals	Daily	CSV (Pipe-delimited, UTF-8)	ClientName_Environment_businesscontrol_YYYYMMDD.csv	T_businesscontrol_YYYYMMDD.csv	P_businesscontrol_YYYYMMDD.csv
TRANSACTION DETAIL	Details of account related transactions	Daily (Inserts and Updates)	CSV (Pipe-delimited, UTF-8)	ClientName_Environment_transactiondetail_YYYYMMDD.csv	T_transactiondetail_YYYYMMDD.csv	P_transactiondetail_YYYYMMDD.csv
TRANSACTION DETAIL Control File	Total record count in the TRANSACTION DETAIL file.	Daily	CSV (Pipe-delimited, UTF-8)	ClientName_Environment_transactiondetailcontrol_YYYYMMDD.csv	T_transactiondetailcontrol_YYYYMMDD.csv	P_transactiondetailcontrol_YYYYMMDD.csv

Purpose: Identifies legal business entities and their KYC attributes.
Primary Key: BUSINESS_ID
Delivery: Daily delta (inserts & updates)
Grain: 1 row = 1 entity record

Column Header (exact)	Business Name	Required?	Definition / Description	Conditional Rules	Data Type	Max Length	Example
BUSINESSID	BUSINESSID	Required	Unique ID identifying a business.		string	20	BUS789012
BUSINESSNAME	BUSINESSNAME	Required	Full business name specified.		string	50	Acme Corporation
DBABUSINESSNAME	DBABUSINESSNAME	Required	Doing Business As Name.		string	255	Acme
BUSINESSTAXID	BUSINESSTAXID	Required	Tax ID associated with the applicable business.		string	15	98-7654321
BUSINESSTYPE	BUSINESSTYPE	Optional	Examples: limited-partnership trust sole-proprietorship corporation llc general-partnership professional-association government non-profit other		string	50	corporation
BUSINESS_IDENTITY_TYPE	BUSINESS IDENTITY TYPE	Optional	See Business Identification Values Tab		string	100	Publicly Traded
ADDRESS_LINE_1	ADDRESS LINE 1	Required	Business address specified.		string	100	456 Elm St
ADDRESS_LINE_2	ADDRESS LINE 2	Optional	Listing of necessary address designators.		string	100	Suite 300
CITY	CITY	Required	Business city location.		string	50	San Francisco
STATE	STATE	Required	Business state location.		string	2	CA
ZIP_CODE	ZIP CODE	Required	Business ZIP code location.		string	10	94107
COUNTRY	COUNTRY	Required	Business country code. Use ISO 3166-1 Alpha-2 Country code standard.		string	2	US
PRIMARY_PHONE_NUMBER	PRIMARY PHONE NUMBER	Required	Primary phone number associated with the business.		string	15	1-415-555-1234
EMAIL_ADDRESS	EMAIL ADDRESS	Optional	Email address of the business contact		string	100	[email protected]
BENEFICIAL_OWNERSHIP_EXEMPTION	BENEFICIAL OWNERSHIP EXEMPTION	Optional	Indicates if the business is exempt from providing beneficial owner information. Please use the value "YES" if the business is exempt, else use the value "NO".		string	3	YES
BENEFICIAL_OWNERSHIP_EXEMPTION_REASON_VALUE	BENEFICIAL OWNERSHIP EXEMPTION REASON VALUE	Optional	See Exemption Reasonson Values Tab	If the value of YES is provided in BENEFICIAL OWNERSHIP EXEMPTION field, then this field is required to be populated with an exemption reason from the EXEMPTION REASONS tab. See link in description.	string	100	PUBLICLY_TRADED
BENEFICIAL_OWNERS_EXISTS	BENEFICIAL OWNERS EXISTS	Optional	This field allows us to determine which businesses we should expect Beneficial Ownership information for.		string	3	YES
NO_25_PERCENT_OR_MORE_BENEFICIAL_OWNERS_EXIST	NO 25 PERCENT OR MORE BENEFICIAL OWNERS EXIST	Optional	If no beneficial owners with 25 percent or more ownership exist. Please input a YES value else enter NO.		string	3	YES
NAICS_PRIMARY_CODE	NAICS PRIMARY CODE	Optional	A six-digit code that best represents a company’s main line of business. You can provide more than one code if this field. Separate each code by a comma.		string	100	123456, 654321

Purpose: Account-level ledger transactions (ACH/Wire/RTP etc.) for monitoring and reporting.
Primary Key: TRANSACTION_ID
Delivery: Daily delta (inserts & updates)
Grain: 1 row = 1 posted transaction

Column Header (exact)	Business Name	Required?	Definition / Description	Data Type	Max Length	Example	Allowed Values / Notes
TRANSACTION_ID	TRANSACTION ID	Required	Transaction ID	string	50	120
TRANSACTION_CODE	TRANSACTION CODE	Required	Transaction Code	string	50	25
TRANSACTION_DESCRIPTION	TRANSACTION DESCRIPTION	Required	Transaction Description	string	150	ACH
ACCOUNT_NO	ACCOUNT NO.	Required	Account Number tied to the FBO Account.	string	15	123456
AMOUNT	AMOUNT	Required	Total absolute value per transaction	string	20	100
DCIP	DCIP	Required	Debit, or Credit (case sensitive).	string	6	CREDIT	Send DEBIT or CREDIT (case-sensitive). Amount should be absolute value. Recommended future header: DR_CR_IND.
DATE_POSTED	DATE POSTED	Required	Date(YYYYMMDD)	string	8	20240101	YYYYMMDD (posting date in account timezone).
DATE_AVAILABLE	DATE AVAILABLE	Required	Date(YYYYMMDD)	string	8	20240102	YYYYMMDD (funds availability date).
CHIPS__6_DIGIT_IMAD__22_DIGIT	CHIPS - 6 digit /IMAD - 22 digit	Conditional	This field is required for Wires. If it is a CHIPs then 6 digit number is required. If it is IMAD then 22 digit number is required.	string	50(Max Length)	12346532113	Conditional by payment rail. Recommended future model: PAYMENT_RAIL + NETWORK_REFERENCE_ID + NETWORK_REFERENCE_TYPE.
ACH_TRACE_ID__15_DIGITS	ACH Trace ID - 15 digits	Conditional	Required for ACH - 15 digit number is required.	string	35(Max Length)	1250	Conditional by payment rail. Recommended future model: PAYMENT_RAIL + NETWORK_REFERENCE_ID + NETWORK_REFERENCE_TYPE.
RTPFED_NOW_NETWORK_TRANSACTION_ID_20_DIGITS	RTP/FED NOW (Network Transaction ID) 20 digits	Conditional	Required for RTP/FED - 20 digit number is required.	string	50(Max Length)		Conditional by payment rail. Recommended future model: PAYMENT_RAIL + NETWORK_REFERENCE_ID + NETWORK_REFERENCE_TYPE.

Reference — Business Identification Values

IDENTIFICATION VALUE	DESCRIPTION
Credit Bureau	Business credit report from an authorized bureau.
Business License	Government-issued license to operate legally.
Cert Articles of Inc	Certificate of Incorporation proving company formation.
Certificate of Limited Partnership	Legal document for forming a limited partnership.
Articles of Organization	Document establishing an LLC.
Government Entity Articles of Incorporation	Formation document for government-owned entities.
FICA Statement	Payroll tax compliance statement.
Filed Tax Return	Copy of filed tax return for verification.
Tax Determination Letter	IRS letter confirming tax-exempt status (e.g., nonprofit).
Tax Identification Number	EIN (U.S.) or foreign TIN for tax purposes.
GIIN	Global Intermediary Identification Number for FATCA compliance.
Foreign TIN	Tax ID issued by a foreign jurisdiction.
Financial Statements	Audited or certified financial statements.
On-Site Visit	Physical verification of business operations.
Prtnrship/Trust Agrmt	Legal agreement for partnerships or trusts.
SEC Filing	Public filings for listed companies (e.g., 10-K, 10-Q).
Secretary of State	State registry record confirming business registration.
Third Party Verifactn	Independent verification by an external provider.
Publicly Traded	Listed on a recognized stock exchange.
Regulated Financial Institution	Bank or financial entity regulated by federal/state authorities.
Legal Entity Identifier (LEI)	20-character code for financial entities.
Other	Any additional supporting documentation relevant to verification.