It’s a data file that provides a single validated view of your payments data. Businesses can use it as the foundation for reconciliation and internal reporting.
What is PC365?
PC365 is a daily payments data file that helps you optimise your payments and reconcile accurately across multiple locations. It helps you match what you expect to receive with what actually lands in your account, without hunting through multiple sources.
PC365 brings together, all in one place:
- Processed activity – your transaction and batch information
- Funding – what was paid out
- Changes and exceptions – such as adjustments, billings and chargebacks
What are the benefits?
Reconcile faster across one site or many
Match sales and refunds to bank deposits and withdrawal activity.
Spot and resolve mismatches quickly
PC365 uses details like location, date and amount.
Stay on top of chargebacks
Organise activity and deadlines to help reduce avoidable losses.
Build reporting that keeps updating
With PC365, the file arrives in a consistent format.
Create meaningful KPIs by location
Compare performance and drill down into what’s driving it.
Set up charts and tables once
Your reporting can keep updating automatically as new files arrive.
Is PC365 right for your business?
PC365 is a strong fit if you:
- Run payments across multiple locations or need a single view for reporting and close
- Have finance teams spending too much time matching deposits to transactions by hand
- Need more detail to track performance, spot exceptions and stay on top of chargebacks.
How does PC365 work?
Receive a file in a consistent format, with batched transaction data and funded data.
Reconcile what you expected with what was funded, and flag mismatches for follow-up.
Drill into detail across four categories: Adjustments, Billings, Chargebacks and Deposits.
Ready to simplify reconciliation?
If you’d like to learn more about PC365 or see whether it’s a good fit for your business, talk to your relationship manager or contact us below.
FAQ's
PC365 is delivered daily, in the same format, so you can build reporting that updates automatically as new files arrive.
PC365 supports drill-down across adjustments, billings, chargebacks and deposits, linking what was processed to what was funded.
Yes. PC365 helps teams organise and prioritise chargeback activity and reduce avoidable losses, including missed deadlines.
The file is designed so businesses can integrate it into their existing accounting, data management or reporting systems, enabling automated reconciliation and reporting.
PC365 is provided via Secure File Transfer Protocol (SFTP). You can either pick it up from an SFTP mailbox or have it delivered to an SFTP location set up for your business.
PC365 is available as a delimited flat file or delimited CSV file, depending on what works best for your systems.
Your relationship manager can help request the delivery setup and confirm where the file will be delivered.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
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