2.2 CardFee

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

The CardFee element is present in both Clearing Reports and Non-Clearing Reports. The Clearing report contains any interchange fees and the Non-Clearing report contains any non-interchange fees. For details, the FeeClass sub-element.

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

Copy 

<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

Copy 

  <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>