Program fees

The Programme fees report contains all fees and/or fee rebates applied by the Paymentology platform for the day.

There are two versions of Programme fees reports. They are specific to the card programme type:

Debit/Prepaid
Credit

Debit/Prepaid program fees

The Debit/Prepaid program fees report uses the below format and naming conventions.

Format: CSV
File name: [ClientName_Program_Fees_YYYYMMDD].csv
Frequency: Daily
Stored in: Client-hosted SFTP folder
Product applicability: Local Store of Value: Prepaid/Debit and Credit

Fee types

The fee types included in this report include:

Authorisation Fee
Miscellaneous Fee Rebate
Miscellaneous Fee
Over-Limit Fee
System Fee

Data fields

Use the table below to help you interpret the data in the report:

Field Name	Description	Example	Format
Date	Date on which programme fee transaction settlement was posted to the account.	01/06/2023	Date: DD/MM/YYYY
Program_Manager_Name	Name of the client/bank in the Banking.Live platform.	Bank of Country	Alphabetic
Transaction_ID	Unique ID for the original authorization message. For more information refer to TID and RID here.	98765 4321	Numeric
PY_RID_Settlement	Unique record ID for the settlement message. For more information refer to TID and RID here.	887766	Numeric
Token	Card Token involved in the transaction.	777666555	Numeric
Fee_ID	Unique reference for the programme fee in the Banking.Live platform.	12345 6789	Numeric
Fee_Description	Fee Description as defined by the client in the Fee Template	Fee%desc	Alphanumeric
Fee_Amount	Total amount of the programme fee, excluding VAT/Tax	2,35	Numeric - decimal
Fee_Currency_Code	Billing Currency (programme fees are always applied in the billing currency).	EUR	Alphabetic)

Sample file

Date,Program_Manager_Name,Transaction_ID,PY_RID_Settlement,Token,Fee_ID,Fee_Description,Fee_Amount,Fee_Currency_Code
28/02/2024,Finding Nemo Bank,9.88E+18,12345000013,998877665,1,Transaction FX fee Default,74,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000012,909876543,7,Transaction FX fee USD,22,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000014,807878787,2,Transaction FX fee VIP,1001,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000015,901234567,1,Transaction FX fee Group Default,90,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000016,908789098,1,Transaction FX fee Group Default,22,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000017,905555666,1,Transaction FX fee Group Default,6.5,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000018,907777777,1,Transaction FX fee Group Default,73,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000019,904567444,3,Transaction FX fee EUR,24,978
28/02/2024,Finding Nemo Bank,9.88E+18,12345000020,901111222,8,Transaction FX fee NZD,1379,978

Credit program fees

The Credit program fees report uses the below format and naming conventions.

Format: CSV
File name: lient_Name_Program_Fees_YYYYMMDD].c.csv
Frequency: Daily
Stored in: Client-hosted SFTP folder

Fee types

The fee types included in this report include:

Authorisation Fee
Periodic Fee
Miscellaneous Fee Rebate
Miscellaneous Fee
Late Payment Fee
Over-Limit Fee
System Fee

Data fields

Use the table below to help you interpret the data in the report:

Field Name	Description	Example	Format
client_id	unique id for the client/bank in the Banking.Live platform	123456	Numeric
bin	card number first 6 or 8 digits	423218	Numeric
prod_id	unique identifier for the product in the Banking.Live platform	123	Numeric
id	unique identifier for the programme fee record in the Banking.Live platform	7654321	Numeric
acc_id	unique identifier for the account in the Banking.Live platform	12345 6789	Numeric
ac_ext_ref	Optional unique identifier which client may define at account creation, i.e. to link the acc_id with a unique account id in the bank systems	BANKACCT_12345	Alphanumeric
transaction_date	Date on which the programme fee was applied. Format: YYYY-MM-DD	13/07/2023	Date: DD/MM/YYYY
posted_state	Indicates whether the program fee is only posted (unsettled) to the account or whether the transaction is settled and the amount has been deducted from the account balance	S - Settled P - Posted	Alphabetic
posted_date	Date on which programme fee transaction was posted to the account. Format: YYYY-MM-DD	2022-07-16	Date: YYYY-MM-DD
txn_type_code	Transaction type code as defined in the Banking.Live platform i.e. 5108 = Miscellaneous Fee	5108 5109 5104 5103 5102 5101 5100	Numeric
fee_id	Unique reference for the programme fee in the Banking.Live platform	152	Numeric
external_fee_reference id	External reference id defined by client/bank for the fee in the fee template to enable downstream file integration, i.e. to General Ledger system	LPFR	Alphabetic
external_fee_reference descr	External reference description defined by client/bank for the fee in the fee template to enable downstream file integration, i.e. to General Ledger system	LPFR - LATE PAYMENT FEE REVERSAL	Alphabetic
fee_type_name	name of the fee type	Miscellaneous Fee Rebate Miscellaneous Fee Late Payment Fee Over-Limit Fee System Fee Periodic Fee Authorisation Fee	Alphabetic
fee_title	Fee title as defined by the client in the Fee Template	Late payment fee - Reversal	Alphabetic
fee_descr	Fee Description as defined by the client in the Fee Template	Late payment fee - Reversal	Alphabetic
applied_to	The reference indicating the trigger of the fee based on the fee_type_name, which may be used as the key reference for downstream purposes	What the charge is applied to - TXN: Transaction -MSC: Miscellaneous Fee Rebate Miscellaneous Fee -ADH: Ad-hoc Fee BLC: Billing Cycle (Period) ANN: Annually DAY: Daily (Computed during the overnight computational cycle) ONC: Once (non-recurring charge) FLP: Late Payment FOL: Over Limit	Alphabetic
tc_id	Unique identifier for the programme fee transaction in the case of the fee being an authorisation fee. Will always be populated with -1 for fees that are not authorisation fees	123456	Numeric
rid	record identifier if the programme fee is an authorisation fee and is linked to an originating TID of the authorisation message	-1	Numeric
charge_amt	Total amount of the programme fee, excluding VAT/Tax	-100	Numeric - decimal
set_charge_amt	Total amount of the programme fee, excluding VAT/Tax	-100	Numeric - decimal
tax_amt	Tax/VAT amount applied to the programme fee	-15	Numeric - decimal
set_tax_amt	Tax/VAT amount applied to the programme fee	-15	Numeric - decimal
set_total_amt	Total amount of the programme fee, including VAT/Tax	-115	Numeric - decimal
unpaid_amt	Unpaid amount of the total amount of the programme fee	-115	Numeric - decimal
unpaid_interest_amt	Unpaid interest on the total amount of the programme fee	0	Numeric - decimal)
bill_ccy	Billing Currency (programme fees are always applied in the billing currency)	682	Numeric
charge_source	Indicator of the method in which the fee was applied, i.e. T = Transaction initiated fee M = API Triggered / Manual	M T D A	Alphabetic
interest_rate_id	Unique identifier of the Interest Rate template applied to the transaction, if applicable. If no interest rate is applicable the field will always be -1	-1	Numeric
cre_dt	Created Date and time of the transaction	2024-01-08 20:52:12	Datetime: YYYY-MM-DD HH:MM:SS

Sample file

client_id,bin,prod_id,id,acc_id,ac_ext_ref,transaction_date,posted_state,posted_date,txn_type_code,fee_id,external_fee_reference_id,external_fee_reference_descr,fee_type_name,fee_title,fee_descr,applied_to,tc_id,rid,charge_amt,set_charge_amt,tax_amt,set_tax_amt,set_total_amt,unpaid_amt,unpaid_interest_amt,bill_ccy,charge_source,interest_rate_id,cre_dt
123456,424242,123,1234,123456789,Bank001_Account1234568,18/02/2024,S,18/02/2024,5108,17,,,Miscellaneous Fee,Late Payment Fee,Misc Late Payment Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:07.804225+00
123456,424242,123,1234,123456789,Bank001_Account1234568,18/02/2024,S,18/02/2024,5100,17,N/A,N/A,Transaction Authorization Fee,ATM Withdrawal - International Fee,ATM Withdrawal International Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:07.804225+00
123456,424242,124,1245,765432123,Bank001_Account1234569,18/02/2024,S,18/02/2024,5108,17,,,Miscellaneous Fee,Late Payment Fee,Misc Late Payment Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:09.641008+00
123456,424242,124,1245,765432123,Bank001_Account1234569,18/02/2024,S,18/02/2024,5100,17,N/A,N/A,Transaction Authorization Fee,ATM Withdrawal - International Fee,ATM Withdrawal International Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:09.641008+00
123456,424242,124,1246,890909090,Bank001_Account1234571,18/02/2024,S,18/02/2024,5108,17,,,Miscellaneous Fee,Late Payment Fee,Misc Late Payment Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:34.59828+00
123456,424242,124,1246,890909090,Bank001_Account1234571,18/02/2024,S,18/02/2024,5100,17,N/A,N/A,Transaction Authorization Fee,ATM Withdrawal - International Fee,ATM Withdrawal International Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:51:34.59828+00
123456,424242,124,1238,241321541,Bank001_Account1234573,18/02/2024,S,18/02/2024,5108,17,,,Miscellaneous Fee,Late Payment Fee,Misc Late Payment Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:52:12.047114+00
123456,424242,124,1238,241321541,Bank001_Account1234573,18/02/2024,S,18/02/2024,5100,17,N/A,N/A,Transaction Authorization Fee,ATM Withdrawal - International Fee,ATM Withdrawal International Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:52:12.047114+00
123456,424242,124,1239,197654321,Bank001_Account1234575,18/02/2024,S,18/02/2024,5108,17,,,Miscellaneous Fee,Late Payment Fee,Misc Late Payment Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:52:12.22702+00
123456,424242,124,1239,197654321,Bank001_Account1234575,18/02/2024,S,18/02/2024,5100,17,N/A,N/A,Transaction Authorization Fee,ATM Withdrawal - International Fee,ATM Withdrawal International Fee,MSC,-1,-1,7,7,0.875,0.875,7.875,7.875,0,978,M,2,2024-01-08 20:52:12.22702+00
123456,424242,123,17624,824567897,Bank001_Account1234577,18/02/2024,S,18/02/2024,5104,22,LPFEE1,LPFEE1 - Late Payment Fee,Late Payment Fee,LPFEE1,LPFEE1 - Late Payment Fee,FLP,-1,-1,24,24,3,3,27,27,0,978,M,72,2024-01-08 20:52:12.22702+01
123456,424242,123,77263,824567897,Bank001_Account1234577,18/02/2024,S,18/02/2024,5103,5,OLFEEDEFAULT,OLFEEDEFAULT - Over Limit Fee,Over-Limit Fee,OLFEEDEFAULT,OLFEEDEFAULT - Over Limit Fee,FOL,-1,-1,82,82,10.25,10.25,92.25,92.25,0,978,M,4,2024-01-08 20:52:12.22702+02
123456,424242,123,89241,724572459,Bank001_Account1234579,18/02/2024,S,18/02/2024,5102,89,SYSTEMFEE99,SYSTEMFEE99 - Extra Fee,System Fee,SYSTEMFEE99,SYSTEMFEE99 - Extra Fee,ONC,-1,-1,92,92,11.5,11.5,103.5,103.5,0,978,M,-1,2024-01-08 20:52:12.22702+03
123456,424241,321,76542,980987656,Bank001_Account1234580,18/02/2024,S,18/02/2024,5101,214,ANNUALFEE,ANNUALFEE - Non-VIP Fee,Periodic Fee,ANNUALFEE,ANNUALFEE - Non-VIP Fee,ANN,-1,-1,3.45,3.45,0.43125,0.43125,3.88125,3.88125,0,978,M,-1,2024-01-08 20:52:12.22702+04
123456,424241,321,19854,789676678,Bank001_Account1234581,18/02/2024,S,18/02/2024,5108,45,MISCFEE2,MISCFEE2 - Non-VIP Fee,Miscellaneous Fee,MISCFEE2,MISCFEE2 - Non-VIP Fee,ADH,-1,-1,96,96,12,12,108,108,0,978,M,9,2024-01-08 20:52:12.22702+05
123456,424242,124,7826,498768459,Bank001_Account1234582,18/02/2024,P,18/02/2024,5100,72,Authorization Fee,AUTHFEE - 019,Transaction Authorization Fee,Authorization Fee,AUTHFEE - 019,TXN,76589876,75492186,10,10,1.25,1.25,11.25,11.25,0,978,T,20,2024-01-08 20:52:12.22702+06

Alignment to other reports

Token is the same as the card_number_proxy field found in the Authorizations report, the PY\_\_Token field found in the Presentments, Interchange and Fees reports and the Card field found in the Chargebacks report.
Transaction_ID is the same as the transaction\_id field found in the Authorizations report and the PY\_\_Transaction_ID field found in the Presentments, Interchange and Fees reports.
PY\_\_RID_Settlement is the same as the PY\_\_RID_Settlement field found in the Presentments, Interchange and Fees reports.

Alignment to FAST messages

Token is the same as the "DE2" field found in FAST authorization messages and the "2" (Mastercard) or "Account Number" (Visa) field found in both FAST authorization and FAST V3 clearing and settlement messages.
Transaction_ID is the same as the same as the "TID" field found in both FAST authorization messages and FAST V3 clearing and settlement messages. You can use these fields to match transaction threads.
PY\_\_RID_Settlement is the same RID field found in FAST V3 clearing and settlement messages.