Monitor Card Payments (Issuing)

Below is an example of a minimal request to monitor card payments in issuing scenario along with a mapping explaining the sample. In issuing the card holder (individual or corporate) is the account holder/customer, the merchant is the counterparty.

Info

Note: there is no need to transfer card data that is protected by PCI-DSS. BIN, last-4-digits and expiry date, ideally in combination with the holder name are unique enough for monitoring without giving expanding your PCI DSS scope.

{
   "tenantTransactionId":"c45d18a6-2384-49aa-98ab-60134a50a5d7",
   "tenantProcessingTimestamp":"2020-06-05T16:20:01.618Z",
   "initiatingParty":"FUNDS_ORIGINATOR",
   "accountHoldingParty":"FUNDS_ORIGINATOR",
   "fundsOriginator":{
      "accountId":"8713672ec1687d0dbbe462e04125b513",
      "last4Digits":"2253",
      "bankIdentifier":"542810",
      "expiry":"202812",
      "scheme":"MASTER",
      "bankCountry":"DE"
   },
   "fundsBeneficiary":{
      "accountId":"532213",
      "holder":"BGV Grocery",
      "bankCountry":"GB",
      "scheme":"CARD_MERCHANTACCOUNT"
   },
   "initiatedAmount":125.00,
   "initiatedCurrency":"GBP",
   "settledAmount":146.44,
   "settledCurrency":"EUR",
   "usage":"BGV Grocery 27 Mount Pleasant Reading RG1 2BP GBRGBR",
   "paymentType":"AUTHORIZATION_CAPTURE",
   "transactionResult":"ACCEPTED",
   "channel":"POS",
   "transactionProcessingDetails": {
      "entryMode": "ICC_CONTACTLESS",
      "networkResponseCode": "0"
   },
   "masterData":{
      "accountHoldingPartyData":{
        "riskLevel":"medium"
      },
      "counterpartyData": {
         "companyDetails":{
            "businessPurposes":[
               "5411"
            ],
            "businessDescription": "Drug Stores and Pharmacies",
            "companyName": "BGV Grocery",
            "street": "27 Mount Pleasant",
            "town": "Reading",
            "zip": "RG1 2BP",
            "country": "GB"
         }
      }
   }
}

Try it out here

JSON Field	description
`{`
`"tenantTransactionId":"c45d18a6-2384-49aa-98ab-60134a50a5d7",`	An ID that identifies the transaction uniquely in the client/tenant's system to link with cases
`"tenantProcessingTimestamp":"2020-06-05T16:20:01.618Z",`	Timestamp the transaction is processed at the tenant in UTC time
`"initiatingParty":"FUNDS_ORIGINATOR",`	Party that initiated the transaction
`"accountHoldingParty":"FUNDS_ORIGINATOR",`	Party holding the account - the bank/financial institutions customer
`"fundsOriginator":{`	Account where funds originate - the payer in a payment (paymentType=PAYMENT)
`"accountId":"8713672ec1687d0dbbe462e04125b513",`	Some identifier for the card of the payer/counterparty e.g. a token, UUID or similar
`"last4Digits":"2253",`	Last four digits of the payer's card
`"bankIdentifier":"542810",`	Payer's Card BIN (first 6 digits of card number)
`"expiry":"202812",`	Payer's Card expiry. Format YYYYMM
`"scheme":"MASTER",`	Payer's Card scheme. Possible values: MASTER, VISA, AMEX, DISCOVER, MAESTRO, JCB, UNIONPAY
`"bankCountry":"DE"`	Payer's Card Issuing Country
`},`
`"fundsBeneficiary":{`	Account that benefits from the funds transferred - the merchant account in a payment
`"accountId":"532213",`	Merchant ID
`"holder":"BGV Grocery",`	Merchant Name
`"bankCountry":"GB",`	Merchant Account country, matches processor/acquirer country issuing the merchant ID
`"scheme":"CARD_MERCHANTACCOUNT"`	Always CARD_MERCHANTACCOUNT for merchant
`},`
`"initiatedAmount":125.00,`	Amount as it was initiated by the payer
`"initiatedCurrency":"GBP",`	Initiated currency in ISO 4217 Alpha 3
`"settledAmount":146.44,`	Amount it will get settled on the account holder account, 0 e.g. for declines (NOTIFICATIONS) or AUTHORIZATIONS
`"settledCurrency":"EUR",`	Settlement currency in ISO 4217 Alpha 3
`"usage":"BGV Grocery 27 Mount Pleasant Reading RG1 2BP GBRGBR",`	Payment Descriptor
`"paymentType":"AUTHORIZATION_CAPTURE",`	Payment type, values: AUTHORIZATION_CAPTURE, AUTHORIZATION, CAPTURE, NOTIFICATION, REFUND, CHARGEBACK, REVERSAL, ACCOUNT_VERIFICATION and more
`"transactionResult":"ACCEPTED",`	ACCEPTED for succesful transaction for delines can be FRAUD_SUSPICION, CARD_STOLEN, CARD_LOST, INSUFFICIENT_FUNDS, SUSPICIOUS_MERCHANT_SETUP, INVALID_CVV and more
`"channel":"POS",`	Channel used. Values: ECOMMERCE, POS, MOTO, BACKOFFICE
`"transactionProcessingDetails": {`	Processing Details about the processed transaction
`"entryMode": "ICC_CONTACTLESS",`	Entry Mode at point of service. Possible values: are dependent on used payment method: COMMERCE, SERVER, CARD_ON_FILE, BAR_CODE, OCR, MAGNETIC_STRIPE, ECOMMERCE, ICC, MAGNETIC_STRIPE_CONTACTLESS, ICC_CONTACTLESS, TOKEN_3RD_PARTY, MICR (as in ACH), MANUAL, MANUAL_AS_FALLBACK, MAGNETIC_STRIPE_AS_FALLBACK, PIN, PINLESS
`"networkResponseCode": "0"`	Response code as provided by the scheme operator. Card schemes often work with ISO 8583 response codes. Other schemes provide specific codes (e.g. SEPA reason codes). Examples: "05" (Do no honor)
`},`
`"masterData":{`	Masterdata / Customer data
`"accountHoldingPartyData":{`	Details about account holder = card holder
`"riskLevel":"medium"`	Cardholder risk level as provided by Issuer, values: low, medium, high
`},`
`"counterpartyData":{`	Details about counterParty = merchant
`"companyDetails":{`	Company details about the merchant
`"businessPurposes":[`
`"5411"`	Merchant Category Code (MCC) or other business categorisation
`]`
`},`
`"businessDescription": "Drug Stores and Pharmacies",`	Description of the business
`"companyName": "BGV Grocery",`	Merchant name
`"country":"GB",`	Merchant country
`"street":"27 Mount Pleasant",`	Merchant street
`"town":"Reading",`	Merchant town
`"zip":"RG1 2BP"`	Merchant ZIP code
`}}}}`