4.5 Calculating the Total Transaction Cost

When the External Host decides whether to approve or decline the transaction, it takes into account the total cost of the transaction, which is the sum of:

  • Billing amount (Bill_Amt field)

  • Fixed Fees (Fee_Fixed field)

  • Rate variable Fees (Fee_Rate field)

  • Foreign Exchange Padding (Fx_Pad field)

  • MCC Padding (MCC_Pad field)

Example:

Bill_Amt

Fee_Fixed

Fee_Rate

Fx_Pad

MCC_Pad

Total amount blocked

109.45

1.41

0.92

2.04

5.08

118.90

 

For use of this calculation in payment authorisation, see EHI Operating Modes.