2.5 CardFee

The CardFee primary element describes Card Fee records. The FeeClass child element, as described below, distinguishes between the permissible types.

Child Element	Description	Data Type	Required	Constraints / Permitted Values
CardFeeId	Identifier for a CardFee record. Note that if there is a non-domestic fee and an FX fee on the same transaction, they share the same `CardFeeId`.	xs:unsignedLong	Yes	0 to 2^64
LocalDate	The date and time the terminal (POS or ATM) or acquirer generates the record.	<LocalDate>	Yes	See the LocalDate sub-element
SettlementDate	The date when the transaction has been processed.	<Settlement Date>	Yes	See the SettlementDate sub-element
Card	Provides details of the card related to the fee.	<Card>	Yes	See the Card sub-element
Account	Provides details of the cardholder account related to the fee.	<Account>	Yes	See the Account sub-element
TxId	If applicable, the FinId of the related CardFinancial (transaction) record for this CardFee record (foreign key). For Fee Collection rrecords, it shows the AuthId of the related CardAuthorisation record (if found) If a matching CardAuthorisation or CardFinancial record cannot be found, the Id shows as 0.	xs:unsignedLong	Yes	0 to 2^64 If not applicable, use default value 0
TxnCode	Indicates the type of transaction.	<TxnCode>	No	See the TxnCode sub-element
MerchCode	A unique code identifying the merchant (also known as the Card Acceptor Identifier)	<MerchCode>	No	See the MerchCode sub-element
MsgSource	Describes the derivative source of the record.	<MsgSource>	No	See the MsgSource sub-element
FeeClass	Describes the derivation and nature of the fee.	<FeeClass>	Yes	See the FeeClass sub-element
LoadUnloadId	If applicable the LoadUnloadId of the related CardLoadUnload record for this CardFee Record (foreign key).	xs:unsignedLong	No	0 to 2^64
Desc	Fee description.	<Desc>	Yes	See the Desc sub-element
FeeAmt	The FeeAmt represents the fee amount. This has the following behaviour: When FeeClass type is 1 then it is the fee amount for a Card Load, Expiry, Recurring payment, FX, SMS, Domestic or non-Domestic Fee as set up by the Programme Manager. When FeeClass type is 4 or 5 then it is a Scheme fee, such as an Interchange, Chargeback or ATM Fee Collection Fee from the Scheme.	<Direction Amount>	No	See the FeeAmt sub-element
Amt	This amount is described as follows: For Scheme fees (see FeeClass: type = 2, 4 and 5), this is the settlement amount posted to the settlement account. When the fee is NOT a Settlement (see FeeClass: type = 1), this is the fee billed (posted) to the cardholder's account.	<Direction Amount>	Yes	See the Amt sub-element When a fee is levied against the cardholder, the normal direction is: “debit” for FeeClass type =1,2 & 5 “credit” for FeeClass Type = 4
FIID	Forwarding Institution identification code.	<FIID>	No	See the FIID sub-element
ReasonCode	Message reason code.	xs:string	Yes	Only applicable for settlement See Message_Reason_Codes.htm For Fees, see the FeeClass sub-element
Recon	Details of the reconciliation.	<Recon>	No	See the Recon sub-element

Non-Clearing Report Example

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<CardFee>
    <CardFeeId>13961469923</CardFeeId>
    <LocalDate>20240213033057</LocalDate>
    <SettlementDate>20240213</SettlementDate>
    <Card PAN="1132466665781123" product="MCRD" programid="ONEUKA" productid="4368" branchcode="00000000" />
    <Account no="246666578" type="01" />
    <TxId>13961469923</TxId>
    <FeeClass interchangeTransaction="no" type="1" code="1000" />
    <LoadUnloadId>0</LoadUnloadId>
    <Desc>CCB ATM A5600225       DOLNA BANYA   BGR</Desc>
    <FeeAmt value="0.50" currency="826" direction="debit" />
    <Amt value="0.50" currency="826" direction="debit" />
    <ReasonCode />
  </CardFee>

Clearing Report Example

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  <CardFee>
    <CardFeeId>843249</CardFeeId>
    <LocalDate>20190326000000</LocalDate>
    <SettlementDate>20200103</SettlementDate>
    <Card PAN="8062328177229342" product="VISA" programid="GPS" productid="9815" branchcode="00000000" />
    <Account no="232817722" type="02" />
    <TxId>3762429334</TxId>
    <FeeClass interchangeTransaction="no" type="1" code="1000" />
    <LoadUnloadId>0</LoadUnloadId>
    <Desc>Domestic Fee</Desc>
    <FeeAmt value="5.00" currency="826" direction="debit" />
    <Amt value="5.00" currency="826" direction="debit" />
    <ReasonCode />
    <Recon date="20191205" cycle="05" />
  </CardFee>