Card program specifications

As part of onboarding you complete our PSF. The PSF contains your requirements for your product setup and acts as a record of the card program and features you want to deploy.

A Project Manager from our Implementation Team guides you through completing this and preparing it for official sign-off.

General PSF requirements

Below we provide an overview of the information of each section of the PSF. Paymentology provides you with the PSF form after contract signature and will provide further context to the information required.

🗒️

* Note that some information may not be applicable dependent on you card program.* The information provided in this guide is not a complete list, but rather provides you with an introduction to the types of information required when completing your PSF

Client information

The client information section is completed by Paymentology and includes:

• Client contact details
• Scheme Member ID
• X-API Key
• BIN sponsor

Product information

The product information section assists to define the product and will be used to setup the product on Banking.Live. This section includes:

• Product ID
• Product description
• BIN
• BIN range
• Country of issuance
• Billing and settlement currency code(s)
• Card manufacturer
• Network/Scheme
• Rules Engine enablement
• PIN retries enablement
• Card expiry period
• Product type
• 3DSecure enablement and enrolment
• Stand-In enablement
• Scheme product code
• Scheme service code
• Auoblock removal period
• Product token flags

Limit rules

The limit rules section assists to define velocity limits you require for your card program. This section includes:

• Limit type: ECOM, POS, ATM etc.
• Limit frequency
• Spend number trigger
• Spend amount trigger
• MCC
• Decline reason
• Group applicability

Authorization fees

The authorization fees section assists to define fee calculation and collection from card accounts. This section includes:

• Group applicability
• Fee type: ECOM, POS, ATM, country etc.
• Spend mode and validation
• MCC
• Application stage
• Fixed amount
• Variable amount
• Min/max amount

Fraud rules

The fraud rules section is completed with the assistance of our Fraud Team. You will discuss this with them during onboarding.

FAST

The FAST section contains information around your FAST setup. This section includes:

• Authorization FAST message URL
• Settlement FAST message URL
• Card Status Update URL
• FAST version
• FAST request time out period
• FAST message retries
• FAST message type i.e. Active or Passive
• Number of settlement requests

Card manufacturer

The card manufacturer section contains required information about your chosen card manufacturer. This section includes:

• Card manufacturer name and contact details
• PGP encryption key ID
• Card generation schedule

Webservices

The webservices section contains the the Banking.Live API's you've chosen to integrate with.

Our Implementation Team will help you determine which Banking.Live API's you should integrate with based on your card program needs. Our team can then enable these API's for you in both UAT and Production environments.

Test cases

The test cases section contains a list of test cases to test and sign off. This list is determined and provided to you when you recieve the PSF.

ACS

The ACS (Access Control Server) section includes the details of the 3D Secure setup you are using. Paymentology and the ACS vendor complete this section. It includes:

• 3D Secure enablement
• Vendor
• Challenge profile ID
• OTP delivery option
• API key
• API URL
• Authentication over API
• Auto enrolment enablement
• Auto enrolment options