| Row | Format | Description |
| 1 | Batch_Reference , Batch_Description , Is_Single_Debit , Terminal_Id, RESPONSE_CODE | Batch header information |
| 3 to n | PaymentRef , Amount , Beneficiary_Name , Bank_Cbn_Code , Beneficiary_Account, Beneficiary_Account_Type , IsPrepaidCardLoad, SWITCH_RESPONSE } | Consists of payment information up until the second to the last row. |