> ## Documentation Index
> Fetch the complete documentation index at: https://pricing.envisso.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loss History

> CSV or Excel — last 5 years, one row per loss event.

<Info>
  * Merchant-related losses over the last 5 years
  * One row per loss event
  * Improves pricing accuracy and coverage limits
</Info>

<Panel>
  <Card title="Download CSV template" icon="download" href="https://prod-envisso.com/mintlify/envisso_protect_pricing_losses_file_template.csv">
    Loss history template with column headers and descriptions.
  </Card>

  <Card title="Download Excel template" icon="download" href="https://prod-envisso.com/mintlify/envisso_protect_pricing_data_spec_template.xlsx">
    Combined template with both Merchant List and Loss History sheets.
  </Card>
</Panel>

## Merchant identity

These fields must match the corresponding values in your [merchant list](/merchants-file).

<ParamField path="merchant_registration_id" type="string" required>
  The legal registration ID of the merchant, matching your merchant list.

  Example: `"201912345H"` (SG) or `"5457657"` (US)
</ParamField>

<ParamField path="merchant_registration_id_type" type="string" required>
  The type of registration ID based on the country where the merchant is registered.

  Example: `"UEN"` (SG) or `"SOS"` (US)
</ParamField>

<ParamField path="merchant_registered_country" type="string" required>
  The country where the merchant is legally registered, as a two-letter code per [ISO 3166](https://en.wikipedia.org/wiki/ISO_3166) alpha-2.

  Example: `"SG"`
</ParamField>

<ParamField path="merchant_registered_state" type="string">
  The state where the merchant headquarters are legally registered, per [ISO 3166-2:US](https://en.wikipedia.org/wiki/ISO_3166-2:US). **Mandatory for US merchants**, can be left blank for non-US merchants.

  Example: `"US-NY"`
</ParamField>

<ParamField path="merchant_legal_name" type="string" required>
  The merchant's legal name as registered with the relevant government authority.

  Example: `"ABC Trading Ltd."`
</ParamField>

<ParamField path="registered_address_line_1" type="string">
  The first line of the merchant's legally registered address.

  **Mandatory for US merchants**, can be left blank for non-US merchants.

  Example: `"100 High Street"`
</ParamField>

<ParamField path="registered_address_line_2" type="string">
  The second line of the merchant's legally registered address.

  **Mandatory for US merchants**, can be left blank for non-US merchants.

  Example: `"Suite 300"`
</ParamField>

<ParamField path="registered_city" type="string">
  The city in which the merchant is legally registered.

  **Mandatory for US merchants**, can be left blank for non-US merchants.

  Example: `"London"`
</ParamField>

<ParamField path="registered_postal_code" type="string">
  The postal code or ZIP code of the merchant's legally registered address.

  **Mandatory for US merchants**, can be left blank for non-US merchants.

  Example: `"238884"`
</ParamField>

<ParamField path="mccs" type="string" required>
  A comma-separated list of Merchant Category Codes (MCC).

  Example: `"5251, 5714"`
</ParamField>

<ParamField path="currency" type="string" required>
  The currency in which figures are reported, as a three-letter code per [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217).

  Example: `"SGD"`
</ParamField>

## Loss details

<ParamField path="loss_start_date" type="date" required>
  The date when losses started to occur from this merchant, formatted as [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601).

  Example: `"2024-01-30"`
</ParamField>

<ParamField path="total_loss_amount" type="integer" required>
  The total value of losses suffered from this merchant. Whole number, no decimals.

  Example: `8000000`
</ParamField>

<ParamField path="prior_12_months_tpv" type="integer">
  The last 12 months of TPV processed by this merchant prior to the loss occurring. Whole number, no decimals.

  Example: `8000000`
</ParamField>

<ParamField path="collateral_held_at_time_of_loss" type="integer">
  The total value of collateral held for risk prevention purposes at the time of the loss. Whole number, no decimals.

  Example: `8000000`
</ParamField>

<ParamField path="loss_description" type="string" required>
  A description of the loss and any details relevant to the insurance coverage.

  Example: `"Merchant ceased trading without fulfilling customer orders. No assets recovered."`
</ParamField>

***

<Tip>
  **Still compiling your loss data?** Send the merchant list first and we'll get started on indicative pricing. Note that loss history is required to finalise coverage — indicative pricing provided without it is subject to change once the full loss picture is available.
</Tip>