Report Set Permission = Default (This report set can be assigned to any user)
Account Summary
Purpose and Usage - FAQs
The Account Summary report will show ALL accounts where the status is Active, and the account is in SRV (servicing) status. The goal of the Account Summary report is to show you the most relevant data about the status of all your accounts.
Please note that the data on this report is real-time and accurate at the time you run the report.
FAQs
Is this data Real Time or Live Data?
Yes, the data on this report is pulled directly from our live system when it's run. Information will change daily like interest assessment or when Payments are made.
My Customer made a payment today, But it's not reflected on this report, why?
Payments made today will start in a "Processing" status. We settle all payments after 9 PM CST every day. Once a payment is settled, it will go into a "Complete" status, and completed payments are applied to the Interest, Principal, and Fee balances on the Contract.
If a payment is made after 3 PM CST it may not settle the same day and will remain in processing until it settles the next day.
You can open the customer's account in uPortal360 and click on Transactions. This will show you all payments, including payments in processing status.
You can run the Transactions - Pending report to see any transactions in "Processing" or "Pending" status.
How are Payment Amounts Calculated?
UAS uses Simple Interest to calculate the payment amount for contracts. You can leverage our Payment Calculator or other online resources to validate payment amounts.
Field Definitions
Column Name | Definition | Example |
|---|---|---|
Program | Name of your Program | Open-End Contracts |
Location | Location where account was originated | Kansas City |
Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
Applicant | Name of the Primary Applicant / Account Holder | John Doe |
Merchant Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Merchant Number as some examples and length and type can vary widely by merchant. |
Status | Primary Status of the Contract. Our system supports Pending, Active, Closed, Cancelled and VOID Statuses, but this report only shows Active | Active |
Sub Status | Provides more detail about the Contract Status | Current, Past Due, Write-Off Review |
Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | SRV |
Active Date | Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. | 2017-10-11 |
Note Date | Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. | 2017-10-11 |
Interest Rate | Displayed as a whole number not a decimal. 10.00 is same as 10%. | 10.00 |
Term | Number of Payments needed to Payoff the Balance of the Contract. | 60 |
1st PMT Date | Date 1st Payment is Due. | 2017-06-01 |
PMT Due Day | Day of the Month Payments are Due. | 1 |
Next Due Due | Date the next payment is due for this Contract. | 2017-11-01 |
PMT | Monthly Payment Amount | 164.93 |
PMT Override | If consumer elects to change the default payment amount, the amount they setup AutoPay for would be found here. It must be greater than the Payment Amount. | 0.00 or a number over $164.93 |
Past Due Amt | If Delinquent this is the amount Past Due that would need to be paid to make the Contract current. | 0.00 |
Min PMT Due | Monthly Payment plus and Past Due amount is the Min PMT Due. | 164.93 |
Delq Date | Delinquent Date the Account went Delinquent (Past Due). Empty if the account is Current. | 2017-09-01 |
Delq Days | Delinquent Days the account has been Delinquent. | 60 |
Delq Days EOM | Days the account will be Delinquent at the end of the month if no payments are made. This is useful to determine if the account is subject to write-off this month. | 90 |
AutoPay Type | If enrolled in AutoPay it will be (CHECKING, SAVINGS, VISA, MASTERCARD, DISCOVER). If not enrolled, then the type will be (NONE) | NONE |
Credit Charges | Total of All Charges Made to Account (Open-End Credit Only). | 1000.00 |
Credit Line | Amount of Credit extended to consumer (Open-End Credit Only). | 2000.00 |
Credit Balance | Amount owed (Open-End Credit Only). | 800.00 |
Credit Available | Amount of Credit available for additional purchases. Only usable if account is Current and not past due. (Open-End Credit Only). | 1200.00 |
Amt Financed | Amount Financed by consumer. (original Charge amount if Open-End Credit) | 6986.00 |
Total Amt PMTs | Total of all Payments Made | 350.00 |
PMTs Made | Count of Payments Made - Formula: Total Transactions Divided By PMT Amount | 2 |
Prin Adj | Principal Adjusted. If negative this decreased the amount of principal owed, if positive it was increased. Adjustments are typical in case of some type of refund or to correct a mistake to an amount entered. | -160.00 |
Prin Pd | Principal Paid - Amount of Payments applied to the Principal Balance. | 100.00 |
Prin Bal | Principal Balance - Amount of Principal currently remaining. | 6886.00 |
Int Accrued | Amount of Interest Accrued on the Contract. If special promotion is active, the Accrued amount can be higher than the Assessed amount as the promo maybe deferring interest for a promotional period. | 10.00 |
Int Assessed | Amount of Interest Assessed on the Contract. This amount is owed. | 10.00 |
Int Pd | Interest Paid - Amount of Payments applied to Interest | 10.00 |
Int Bal | Interest Balance - Amount of Interest currently remaining. | 0.00 |
Fees Assessed | Amount of Fees charged on this Contract. Could be Late Fee or NSF Fee. | 20.00 |
Fees Pd | Fees Paid - Amount of Payments applied to Fees. | 10.00 |
Fees Bal | Fees Balance - Amount of Fees currently remaining. | 10.00 |
Payoff Amt | Principal Bal + Interest Balance + Fees Balance = Payoff Amount - The amount currently owed to payoff this Contract. | 6896.00 |
Zero Balance Date | Date the account went to a $0.00 balance | 2018-12-20 |
Closed Date | Date the account was closed by the contract owner | 2018-07-10 |
Closed Reason | Reason for account being closed | Paid in Full |
New Contracts
Purpose and Usage - FAQs
Report on Contracts based on the Active Date. Active Date is the date when UAS started to service the Contract.
FAQs
How do I see my New Contracts from Last Week, Month, etc?
Just change the Active Date From and Active Date To values to the date range needed.
Field Definitions
Column Name | Definition | Example |
|---|---|---|
Program | Name of your Program | Open-End Contracts |
Location ID | Unique ID where account was originated | 123456789 |
Location | Location where account was originated | Kansas City |
Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
Contract Status | The Status of the Contract | |
Contract Sub Status | Provides more detail about the Contract Status. | |
Applicant ID | Applicant Number - Unique Alphanumeric 7 character number | ABC1234 |
Applicant Name | Name of the Primary Applicant / Account Holder | John Doe |
Merchant Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Merchant Number as some examples and length and type can vary widely by merchant. |
Code | Defines if the Contract is in Servicing (SRV) or has been Purchased (PUR) | SRV |
Active Date | Date the Contract was Activated in our System and we started to service the account - Create statements, accrue interest, etc. | 2017-10-11 |
Note Date | Date the Contract was written to take effect and Day Interest would start to Accrue and Assess. | 2017-10-11 |
1st PMT Date | Date 1st Payment is Due. | 2017-06-01 |
Monthly Payment Amount | Monthly payment of the Contract | $75 |
Cash Price | Retail amount of the Items(s) purchased | 800.00 |
Down Payment | Amount paid in Cash or discounted from Retail Price. | 200.00 |
Financed Amount | Retail Price less Cash Price is the Amount Financed. | 600.00 |
Interest Rate | Displayed as a whole number not a decimal. 10.00 is same as 10%. | 10.00 |
Payment Term | Number of Payments to Payoff this Charge | 24 |
Seller | Name of Merchant Employee that created this Contract | Carl Merchant |
Pricing Tier | Pricing Tier designated during origination | Servicing |
Date Closed | Date the contract was closed | 2024-12-11 |
Exit Status | Used to indicate what happened to contracts we are no longer servicing | Cancel or Return |
Rescission - Date | The date at the end of the rescission period | 2024-12-15 |
Applicant Address | Applicant’s Address at Origination | 603 East Street Parkville, MO 64152 |
Applicant Phone Primary # | Applicant’s Primary Phone Number provided at Origination | 888-233-2302 |
Description | Description of Goods and/or Services |
Transactions
Purpose and Usage - FAQs
Report on Contract Transactions (Payments, Adjustments, and Fees) based on the Payment Processed Date. Payment Processed date is the date the transaction values impact the Contract balance.
FAQs
How do I see my New Contracts from Last Week, Month, etc?
Just change the Active Date From and Active Date To values to the date range needed.
Transaction Status Types and Definitions?
You can find information about transaction status here: Transaction Status Definitions
How are Payments Applied?
Payment application is found on the consumer contract. Generally speaking, payments are applied to Fees, Interest, then Principal.
Why are only COMPLETE Transactions shown on the Report?
Most merchants will use this report to understand Cash collected. Adding other status will force everyone to sort or remove transactions based on a Status.
You can run a Declined Transaction Report to see declines
Field Definitions
Column Name | Definition | Example |
|---|---|---|
Program | Name of your Program | Open-End Contracts |
Location ID | Unique ID where account was originated | 123456789 |
Location Name | Location Name where the account originated | Kansas City |
Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
Contract Status | The Status of the Contract | |
Contract Sub Status | Provides more detail about the Contract Status. | |
Applicant ID | Applicant Number - Unique Alphanumeric 7 character number | ABC1234 |
Applicant Name | Name of the Primary Applicant / Account Holder | John Doe |
Merchant Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Merchant Number as some examples and length and type can vary widely by merchant. |
Transaction ID | Unique ID for this Transaction | 1234567 |
PMT Received | Date Payment was Received | 2017-11-10 |
PMT Processed | Date Payment was Processed - Counted towards Balance | 2017-11-10 |
Status | Status of the Transaction (PENDING, PROCESSING, COMPLETE, DECLINE) | COMPLETE |
Type | Various types to further define payment types or adjustments | PMT - ACH |
PMT Amt | Amount of Payment Made | 198.00 |
Fees | Amount of the Payment applied to Fees | 0.00 |
Interest | Amount of the Payment applied to Interest | 10.00 |
Principal | Amount of the Payment applied to Principal | 180.00 |
Adjust Amount | Amount of Adjustment Made | 50.00 |
Adjust Fees | Amount of Adjustment applied to Fees | 0.00 |
Adjust Interest | Amount of Adjustment applied to Interest | 0.00 |
Adjust Principal | Amount of Adjustment applied to Principal | 50.00 |
Fee Charged | Fee amount assessed | 10.00 |
Card Type | Specific Card Type - (VISA, MASTERCARD, DISCOVER, AMEX) | VISA |
PMT Maps | Number of Payment Maps - Used on Open-End Contracts to map a Payment to multiple Charge Slip balances. | 0 |
Days Delinquent at ToT | Days contract was delinquent at the time of transaction | 31 |
Seller Contact | Name of Merchant Employee that created this Contract | Carl Merchant |
Transactions - Declined
Purpose and Usage - FAQs
This report will show payments that have been Declined. The date filter can be used to define a range of declined payments (yesterday, last week, last month). The Declined Reason comes from the merchant processor and helps define why the payment was declined.
FAQs
Field Definitions
Column Name | Definition | Example |
|---|---|---|
Program | Name of your Program | Open-End Contracts |
Location | Location where account was originated | Kansas City |
Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
Contract # | Accounts can have multiple Contracts, the Contract number is build on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
Applicant | Name of the Primary Applicant / Account Holder | John Doe |
Merchant Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, Merchant Number as some examples and length and type can vary widely by merchant. |
ToT Status | Contract Status at the Time of Transaction (ToT) | Past Due |
ToT Past Due Amount | Past Due Amount of the Contract at the Time of Transaction (ToT) | Past Due |
ToT Days Past Due | Days Past Due at the Time of Transaction (ToT) | Past Due |
Transaction ID | Unique ID for this Transaction | 1234567 |
PMT Received | Date Payment was Received | 2017-11-10 |
PMT Processed | Date Payment was Processed - Counted towards Balance | 2017-11-10 |
Status | Status of the Transaction (PENDING, PROCESSING, COMPLETE, DECLINE) | COMPLETE |
Type | Various types to further define payment types or adjustments | PMT - ACH |
PMT Amt | Amount of Payment Made | 198.00 |
Card Type | Specific Card Type - (VISA, MASTERCARD, DISCOVER, AMEX) | VISA |
Last Four | Last 4 of the payment method used for the transaction | 1234 |
Declined Reason | Reason from the merchant processing gateway as to why the transaction declined - NSF, Invalid Number, etc. | Do Not Honor |
Seller Contact | Name of Merchant Employee that created this Contract | Carl Merchant |
Transactions - Pending
Purpose and Usage - FAQs
This report will show payments in a Processing or Pending status. You can find information about transaction status here: [Transaction Status Definitions]
Payments made today will start in a "Processing" status. We settle all payments after 9PM CST everyday. Once a payment is settled it will go into a "Complete" status and completed payments are applied to the Interest, Principal and Fee balances on the Contract. If a payment is made after 3PM CST it may not settle the same day and will remain in processing until it settles the next day.
Pending transactions are also known as Post-Dated or Promised payments. This allows the consumer to commit to or schedule a future payment. Our system will automatically run this payment on the scheduled date with the scheduled payment method.
FAQs
Field Definitions
Column Name | Definition | Example |
|---|---|---|
Program | Name of your Program | Open-End Contracts |
Location | Location where account was originated | Kansas City |
Acct # | 7 Character Random Account Number uniquely assigned by our system. Accounts can contain multiple Contracts, Subscriptions and POS Transactions | ABC1234 |
Contract # | Accounts can have multiple Contracts; the Contract number is built on the Account Number (ACCT#LOA##) | ABC1234LOA01 |
Applicant | Name of the Primary Applicant / Account Holder | John Doe |
Merchant Ext ID | Unique ID assigned by you and given to us during the origination process or via a data update. This is critical when linking data back to other systems like Accounting Software or Fulfillment/ERP systems | Student Number, Patient Number, and Merchant Number are some examples, and length and type can vary widely by merchant. |
Transaction ID | Unique ID for this Transaction | 1234567 |
PMT Received | Date Payment was Received | 2017-11-10 |
PMT Processed | Date Payment was Processed - Counted towards Balance | 2017-11-10 |
Status | Status of the Transaction (PENDING, PROCESSING, COMPLETE, DECLINE) | COMPLETE |
Type | Various types to further define payment types or adjustments | PMT - ACH |
PMT Amt | Amount of Payment Made | 198.00 |
Adjust Amount | Amount of Adjustment Made | 50.00 |
Card Type | Specific Card Type - (VISA, MASTERCARD, DISCOVER, AMEX) | VISA |