3 Completing your PSF

The Product Setup Form (PSF)Closed A spreadsheet that provides details of your Thredd account setup. The details are used to configure your Thredd account. provides three tabs where the fee groups for your program are recorded:

  • 06. Auth Fees

  • 07. Recurring Fees

  • 0.8 Web Service Fees

Each of these is described in detail below.

3.1 Authorisation Fee Groups

The Authorisation Fee group enables you to define unique fees for each type of card authorisation transaction. For a list of authorisation fee types, see Authorisation Types.

Below is an example of one of the authorisation fee groups set up on the Auth Fee Groups tab. You can have multiple Authorisation Fee Groups set up for your program.

Figure 3: Authorisation Fee Group

Authorisation fees are set up as a matrix, enabling you to specify at a detailed level the fees to be applied to each type of authorisation transaction.

The Group Name is the unique name of the Authorisation Fee group, to be used when linking a card to an authorisation fee group. This is a description of the fee group and should include the Program Manager name and currency (if applicable). For example: Thredd GBP Low Limits.

How to use the Authorisation Fee Groups Form

Your implementation manager completes this form:

  1. The Group Name field displays the unique name of the fee group.

  2. The Thredd Code field displays the internal Thredd fee code.

  3. The Authorisation Fee types are listed in column C, in the row under Authorisation Fee (select from drop-down menu). See Authorisation Types.
    Each authorisation type is listed as its own row in column C. The down arrow enables you to view and select additional authorisation fee types if required.

  4. For each row, the fees and fee options that apply to this authorisation fee type are shown. See Authorisation Fee Options.

3.1.1 Authorisation Types

Refer to the table below for a list of authorisation types. The code in square brackets (for example [000000]) is the processing code for this transaction type, as provided by the card scheme. This processing code is returned in the transaction XML reports and EHI messages and is used as part of the Thredd fee logic to calculate the fee.

You can use the processing code to track the source of any authorisation transaction card fee applied to a card. For a full list, see Appendix 1: Processing Codes (DE003).

The Authorisation types listed below are relevant to both Mastercard and Visa, unless specified otherwise. Rows highlighted in yellow indicate the main transaction type codes (identified by the first two digits of the code. Rows below this are sub-level codes that indicate a variation of the main code.

Authorisation Type

Description

Debit POS payments

Debits (goods and services) [000000]

Payment in store at a point of sale (POS) terminal.

Purchase with Savings account [001000]

POS payment using a linked savings account.

Purchase with Checking account [002000]

POS payment using a linked checking account.

Purchase with Credit Card account [003000]

POS payment using a linked credit card account.

Purchase with Universal account [004000]

POS payment using a linked universal account.

ATM Payments

Debits (for ATM withdrawals, or for cash disbursements using Maestro cards) [010000]

Cash withdrawal from an automated teller machine (ATM).

Withdrawal with Savings account [011000]

ATM withdrawal from a savings account.

Withdrawal with Checking account [012000]

ATM withdrawal from a checking account.

Withdrawal with Credit Card account [013000]

ATM withdrawal from a credit card account.

Withdrawal with Universal Account [014000]

ATM withdrawal from a universal account.

Cashback Payments

Debits (goods with cash back) [090000]

Cashback transaction.

Purchase with Cash Back with Checking Account [092000]

Cashback transaction from a checking account.

Account Funding transactions

Account Funding Transaction (AFT) [100000]

Transaction where funds are pulled from a Visa account and are subsequently used to fund another Visa or non-Visa account1.

Quasi-cash (POS) transactions

Visa quasi-cash (POS) transactions [110000] Visa

POS transaction where the payment was for a cash service (Visa).

Quasi-Cash Transaction (Credit Card Account) [113000] Visa

Quasi-cash transaction for a credit card account (Visa).

Cash disbursements and cash advances

Cash Disbursement [120000] Mastercard Clearing

Cash payment (Mastercard).

Debits (for cash advances) [170000] Mastercard

Cash advance (Mastercard).

Debits (for cash advances) [171000] Mastercard

Cash advance (Mastercard).

Cash disbursement [172000] Mastercard

Cash payment (Mastercard).

Cash disbursement with Credit Card Account [173000] Mastercard

Cash payment from a credit card account (Mastercard).

Refunds and credits

Purchase refunds [200000]

Refund to the cardholder.

Purchase Return/Refund - Checking Account [202000]

Refund from a checking account.

Purchase Return/Refund - Credit Card Account [203000]

Refund from a credit card account.

Original Credit [260000] Visa

Payment credit (Visa).

Credits (for Payment Transaction) [280000] Mastercard

Payment credit (Mastercard).

Balance Enquiries (ATM)

Balance inquiry service [300000]

ATM balance enquiry.

Balance Enquiry with Saving Account [301000]

Balance enquiry on a savings account.

Balance Enquiry with Checking Account [302000]

Balance enquiry on a checking account.

Balance Enquiry with Credit Card Account [303000]

Balance enquiry on a checking account.

Balance Enquiry with Universal Account [304000]

Balance enquiry on a universal account.

PIN Services (ATM)

PIN change transactions [700000] Visa

Cardholder requests a PIN change (Visa).

PIN unblock transactions [720000] Visa

Cardholder requests a PIN unblock (Visa).

PIN unblock transactions [910000] Mastercard

Cardholder requests a PIN unblock (Mastercard).

PIN change transactions [920000] Mastercard

Cardholder requests a PIN change (Mastercard).

3.1.2 Authorisation Fee Options

Refer to the table below for a list of fees and fee options that can be applied to each of the authorisation fee types listed above.

Fee Option

Description

Domestic and Non-Domestic Card currency

Fixed fee

Fixed amount to apply to the transaction.

Rate (%) fee

Percentage of the transaction amount to apply.

Minimum fee

Minimum fee to apply.

Cap Fees

Maximum fee to apply.

Foreign Currency Exchange (FX) Fees

FX Fixed fee

Fixed amount to apply to an FX transaction.

FX Rate (%) fee

Percentage of an FX transaction amount to apply.

FX Minimum fee

Minimum fee to apply.

FX Cap Fees

Maximum fee to apply.

Various Fees

Decline Fee

Enter the amount and in column AB select the decline Response Codes that will trigger the decline fee. You can select multiple response codes. See Response Codes.

Note: if you do not select any response codes, then all the decline response codes can trigger the decline fee.

Allow Partial

Whether to apply a partial fee if the card does not have sufficient funds to cover the full fee. Select YES or NO.

Allow Multiple Fees

Allows you to define different fees for lower-level transactions of the same type (i.e., that have the same first two digits in their processing code). The default is NO. See Allowing Multiple Fees.

Note: This option should always be set to NO, unless required for agency banking or to support card processing in your region.

Threshold type

Select the threshold type to trigger the fee:

> triggers the fee if the amount is greater than the specified Threshold amount

< triggers the fee if the amount is less than the specified Threshold amount

Threshold amount

Specify a transaction threshold amount to trigger the fee. For example: > 1.50. Any authorisation above this amount will trigger the fee.

No of free txn/month

Specify the number of free transactions allowed per month before the fee is triggered.

No of free txn/Activation

Specify the number of free transactions allowed once the card is activated before the fee is triggered.

SMS fee

Specify the fee to be charged for any SMS notification messages sent to the cardholder for this type of transaction.

Currency

Specify the 3-digit ISO currency code. Only applicable for Multi-Wallet setup.

3.1.3 Response Codes

You can configure the Response Codes that trigger a Decline fee. The response codes that trigger a decline fee are shown in Column AB, in the row beneath Response Codes. See the example below. For a list of response codes, see Appendix 3: Response Decline Codes.

Figure 4: Example of Response Codes

If you do not select any response codes, then all the decline response codes can trigger the decline fee.

There is a specific type of authorisation, known as an Account Status Information (ASI)Closed A standard message type which allows the merchant to check the Card Validation Code (CVC) and, if address details are provided, to optionally use the Address Verification Service (AVS). If these checks are successful Thredd responds with an 00 approval to the merchant. They normally then submit a second transaction, but with an actual transaction amount included. transaction, which may not trigger a decline fee. For details, see Fee Processing Rules for ASI Transactions.

3.1.4 Allowing Multiple Fees

The Allow Multiple Fees option enables you to define lower-level transaction fees for transactions of the same type (i.e., that have the same first two digits in their processing code).

  • If set to NO, then Thredd only checks the first two digits of the processing code

  • If set to YES, then Thredd checks the full 6 digits of the processing code, enabling you to apply different fees for each type of lower-level transaction.

The default option is NO (disabled) and this setting is recommended. Multiple fees should only be used to support Agency Banking or specific regional use cases.

Example

Payments Out (processing code 160000) can be broken down into separate fees per payment type by enabling multiple fees and configuring separate fees for each of the following:

  • Faster Payment out = 161000

  • BACS Out = 162000

  • Direct Debit out = 163000

Payments In (processing code 290000) can be broken down into separate fees per payment type by enabling multiple fees and configuring separate fees for each of the following:

  • Faster Payments In = 291000

  • BACS In = 292000

3.2 Recurring Fee Groups

Recurring fees are applied on a recurring basis, based on the frequency you specify (e.g., monthly or annually).

Below is an example of one of the Recurring Fee groups set up on the Recurring Fee Groups tab. You can have multiple Recurring Fee Groups set up for your program.

Figure 5: Recurring Fee Groups

A Recurring Fee group consists of a set of recurring fees configured for that group. For each recurring fee within a Recurring Fee group, you can define:

How to use the Recurring Fee Groups Form

Your implementation manager completes this form:

  1. The Group Name field displays the unique name of the fee group.

  2. The Thredd Code field displays the internal Thredd fee code.

  3. The Enable Pending field indicates whether pending fees are enabled3.

  4. The Recurring fee types are listed in column C, in the row under Recurring Fee (select from drop-down menu). See Recurring Fee Types.

  5. Each recurring fee type is listed as its own row in column C. The down arrow enables you to view and select additional recurring fee types if required.

  6. For each row, the fees and fee options that apply to this recurring fee type are shown.

3.2.1 Recurring Fee Types

Below is a list of recurring fees that you can set up. For more information on the rules around processing of recurring fees, see Rules for Recurring Fees.

Recurring Fee Type

Description

Dormancy Fees

Dormancy Fee 1 Months (Repeat 1 Month)

Fee applied when a card has not had any transactions during the past month.

Dormancy Fee 2 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 2 months.

Dormancy Fee 3 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 3 months.

Dormancy Fee 6 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 6 months.

Dormancy Fee 12 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 12 months.

Dormancy Fee 13 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 13 months.

Dormancy Fee 24 Months (Repeat 1 Month)

Fee applied when a card has not been loaded with funds or had any transactions during the past 24 months.

Monthly Dormancy Fee - after card expires

Fee applied after a card has expired.

Activation Fees

Monthly Fee - Activation

Activation fee is applied after the card is activated.

Monthly Fee - Activation Fee Taken 1st (1 Months After)

Activation fee is applied 1 month after the card is activated, on the 1st of the month.

Monthly Fee - Activation Fee Taken 1st (5 Month After)

Activation fee is applied 5 months after the card is activated, on the 1st of the month.

Monthly Fee - Activation Fee Taken 1st (6 Months After)

Activation fee is applied 6 months after the card is activated, on the 1st of the month.

Monthly Fee - Activation Fee Taken 1st (12 Months After)

Activation fee applied 12 months after the card is activated, on the 1st of the month.

Load Fees

Monthly Fee - Following reload

Fee applied following a reload (only triggered once a card is reloaded).

Monthly Fee After Load (1 Month After)

Fee applied one month after a reload.

Monthly Fee After Load (1 Year After)

Fee applied one year after a reload.

Inactivity Fees

Monthly Fee - No transaction in last 2 days

Fee applied when there have been no transactions on the card during the last 2 days.

Monthly Fee - No transaction in last 90 days

Fee applied when there have been no transactions on the card during the last 90 days.

Monthly Fee - No transaction in last 120 days

Fee applied when there have been no transactions on the card during the last 120 days.

Monthly Fee - No transaction in last 180 days

Fee applied when there have been no transactions on the card during the last 180 days.

Monthly Fee - No transaction in last 365 days

Fee applied when there have been no transactions on the card during the last 365 days.

Monthly Fee - Last Day of Month

Monthly fee, applied on the last day of each month.

Monthly fee 8th of every month

Monthly fee, applied on the 8th day of each month.

Annual Fees

Yearly Fee- Annual

Annual card management fee.

Monthly fees apply to the main account only, not to sub-accounts.

Dormancy Fees

If configured, dormancy fees apply when a card has not been loaded with funds or had any transactions during the specified period. Certain types of transactions are excluded from the dormancy assessment, such as:

  • ATM Balance enquiries

  • ATM PIN changes and PIN unblock

  • Fee adjustments

  • Recurring fees

If one of these types of transactions has occurred during the dormancy period, the dormancy fee will still be applied.

Example of a Partial Fee

A customer using a card with balance £11.00, withdraws £10.00 at an ATM and there is an ATM Withdrawal fee for £2.00. The total cost of the transaction will be £12.00 (£10.00 + £2.00). The £10.00 will be withdrawn successfully but only a Fee of £1.00 will be charged.

If set to NO, the transaction will be declined for Insufficient Funds.

3.2.2 Fees on MVC and Multi-currency Cards

For an MVC or multicurrency cards, where there is a primary card and linked secondary cards, the recurring fee can be set to apply separately to each card/token, or taken from one of the cards. For example, if you have the following links cards:

  • MVC primary card token: 123456789 (holds the main account balance)

  • Sub-card token:  123456897 (is topped up when required from available funds in the primary card)

 You can set up the fee to be deducted from the primary card

3.2.3 Customised Fees

If you want any customised fees, you will need to specify how you want the recurring fee to apply:

  • What triggers the fee

  • Fee start date

  • Fee end date

  • Fee period

  • How to calculate the day of the month to charge on

  • How does the fee stop?

  • Does the fee continue after card expiry?

Any development work required to implement any non-standard fee requirements may be chargeable. For details, check with your account manager.

3.3 Web Service Fee Groups

Web Service fees can be applied to a card when specific Thredd web services are used. Examples of use of the web services include card balance enquires, card replacement, card load and bank transfer fees. (For a list of web service fee processing codes, see Appendix 2: Fee Processing Codes.)

Below is an example of one of the web services fee groups set up on the Web Services Fees tab. You can have multiple Web Service Fee Groups set up for your program.

Figure 6: Web Service Fee Group

The Group Name is the unique name of the Web Service Fee group, to be used when linking a card to the fee group. Web Service fees are set up in the card’s domestic currency.

You can define the following fees for each web service fee type:

  • Fee — fixed fee to be applied to that transaction

  • Rate (%) fee — a percentage of the transaction is charged

  • Minimum fee — a minimum fee to apply to a transaction if you are using a rate fee.

  • Allow Partial Fee — whether to allow a partial fee of the required fee to be charged based on the available balance (less than the fee) on the card.

  • SMS Fee — if the web service triggers an SMS message that is sent to the cardholder.

How to use the Web Service Fee Groups Form

Your implementation manager completes this form:

  1. The Group Name field displays the unique name of the fee group.

  2. The Thredd Code field displays the internal Thredd fee code.

  3. The Enable Pending field indicates whether pending fees are enabled4.

  4. Web service fee types are listed in column C, in the row under Web Service Fee (select from drop-down menu). For a list of web service fee processing codes, see Appendix 2: Fee Processing Codes.

  5. Each web service fee type is listed as its own row in column C. The down arrow enables you to view and select additional web service types if required.

  6. For each row, the fees and fee options that apply to this web service type are shown.