The ABO format is used to import bank statements into accounting systems. It can also be used to import payment transaction data at payment gateways or terminals to facilitate accounting.
This article explains how to post payments to a payment gateway or terminal, including instructions for each accounting system.
The technical structure of the ABO file is described in this article for those who want to program the processing of the file in their own economic system.
An ABO file is a text file that is broken down into individual lines. The first line contains the header, the following lines contain the individual records of the statement. There are two types of lines in the file generated by Comgate. The first is always a header, line type 074. This is followed by the lines for the individual listing entries (type 075). Each line contains fields that are fixed length, no separator is used. If the value is less than the full length of the field, numeric items are padded with zeros from the left, text items with spaces from the right.
The full specification of the ABO file can be found e.g. on the website of Česká spořitelna here.
Comgate offers two versions of the ABO file, which differ in the way they display payment fees. Version v1 lists the payment fee separately for each payment. That is, one payment will always generate two lines - one for the payment itself and one for the fee for that payment. Version v2 contains the fee calculated in aggregate in one line. Thus, each payment is on a separate line, and the fees are then summed up in one line. You will receive both versions via email and you can request a specific version via the API protocol using the type parameter.
Client's unique number. This is a so-called fictitious account in ABO 888118-1234000008/0800 (visible in the client portal). The slash is always followed by 0800. This bank account number must be set up in the accounting software.
3
20
text
Merchant. Ltd.
Company name (followed by spaces)
4
6
number
180119
Bank transfer date (ddmmrr)
5
14
number
00000000000000
All zeroes
6
1
text
+
Always +
7
14
number
00000000000000
All zeroes
8
1
text
+
Always +
9
14
number
00000000153549
Transfer amount in cents
10
1
text
+
Always +
11
14
number
00000000153549
Transfer amount in cents
12
1
text
+
Always +
13
3
number
018
Number of day of the year
14
6
number
180119
Bank transfer date (ddmmrr)
15
14
text
Empty filling (14 spaces)
Description of line type 075 (data)
No.
Characters
Format
Sample
Description
1
3
number
075
Line type
2
16
number
8881181234000008
Client's unique number. This is a so-called fictitious account in ABO 888118-1234000008/0800 (visible in the client portal). The slash is always followed by 0800. This bank account number must be set up in the accounting software.
3
16
number
0000000000000000
Unless it is a 'CG Billing' or 'CG Loan' (see item 11), always zeroes.
4
13
text
11223344
If it is not a 'CG Billing' or 'CG Loan' (see item 11), the ID from the client (completed with spaces).
5
12
number
000000153549
Amount in cents
6
1
number
2
1 - debit, 2 - credit
7
10
number
0011223344
If it is a payment ('CG ABCD-EFGH-IJKL' in item 11) or a refund ('CG refund' in item 11), there is an ID from the client. In the case of a business loan ('CG Loan' in item 11), it contains the loan agreement number. If it contains anything other than numbers, 'VS platby' will be displayed here.
8
10
number
0000000000
All zeroes
9
10
number
0000000000
All zeroes
10
6
number
180119
Transfer date (ddmmrr)
11
20
text
CG ABCD-EFGH-IJKL
A description of the values is given in the table below. (followed by spaces)
12
1
number
0
All zeroes
13
4
number
1102
The first digit is always 1. The second digit is 1 for operations in CZK and 0 for other currencies. The remaining two digits are 01 for debit operations and 02 for credit operations.
14
6
number
180119
Transfer date (ddmmrr)
Values in item 11
Value in item 11
Description
CG ABCD-EFGH-IJKL
This line contains information about the payment.
CG refund
This line contains information about the refund.
CG billing
This line contains information about the transfer to the merchant's bank account. In item No. 3 is the customer's account number without the bank code. Items 4 and 7 contain the variable symbol of the transfer.
CG fee payment
The line contains the quantification of the fee for the payment(s). The value in item 7 is 0000099999.
CG monthly fee
The line contains the monthly fee calculation. The value in item 7 is 0000088888.
CG other
It occurs only in specific cases, e.g. some extraordinary non-system item. In item 7, the value is 0000077777.
CG loan
This line contains information on the amount of business loan repayments charged off. Item 3 contains the customer's account number without the bank code. Items 4 and 7 contain the credit agreement number.
Values in item 2
The currency code is also included in the so-called fictitious client account.
Currency code
For clients launched by 3 February 2022
the currency code is included in the account number.
E.g. 001234-0000999117/0800
For clients starting from 3 February 2022
the currency code is included in the account prefix.
E.g. 888118-1234000008/0800
CZK
999117
888118
EUR
999125
888126
PLN
999133
888134
HUF
999141
888142
RON
999149
888150
HRK
999157
888169
NOK
999165
888177
SEK
999173
888185
GBP
999168
888193
USD
999176
888206
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