2.6 CardFinancial
The CardFinancial primary element is used to describe the following records:
-
Financial Advice, or
-
Financial Reversal
You can use the RecordType element to determine the type of record.
|
Child Element |
Description |
Data Type |
Required |
Constraints / Permitted Values |
|---|---|---|---|---|
|
RecordType |
Record type, indicates Advice or Reversal. |
xs:string |
Yes |
Valid values are: ADV, REV |
|
FinId |
Unique identitifier for this CardFinancial record. |
xs:unsignedLong |
Yes |
0 to 2^64 |
|
AuthId |
The AuthId of the related CardAuthorisation record for this CardFinancial Record (primary key). Only present if there was a card authorisation. |
xs:unsignedLong |
If Applicable |
0 to 2^64 |
|
PresentmentId |
Alternative unique identitifier for this CardFinancial Record, primary key in Thredd. |
xs:unsignedLong |
Yes |
0 to 2^32 |
|
LocalDate |
The local date/time of the transaction (where the transaction was done). |
<LocalDate> |
Yes |
See the LocalDate sub-element |
|
LocalDateUTC |
The transaction date and Time in UTC Note: Not applicable to the Discover Global Network. |
LocalDateUTC |
Yes |
See the LocalDateUTC sub-element |
|
SettlementDate |
The settlement date for the transaction (UK date or as supplied by Mastercard). |
<SettlementDate> |
Yes |
See the SettlementDate sub-element |
|
SchemeSettlementDate |
Settlement date value for the transaction by Mastercard, Visa or Thredd. |
<SchemeSettlementDate> |
Yes |
See the SchemeSettlementDate sub-element |
|
SchemeReconciliationDate |
The Mastercard/Visa reconciliation date for the transaction. |
<SettlementDate> |
Yes |
See the SettlementDate sub-element |
|
CycleNumber |
Reconciliation cycle number (relevant to Mastercard only). |
<CycleNumber> |
Yes |
See the CycleNumber sub-element |
|
Card |
Provides details of the card used in the transaction. |
<Card> |
Yes |
See the Card sub-element |
|
Account |
Provides details of the cardholder account. |
<Account> |
Yes |
See the Account sub-element |
|
TxnCode |
Indicates the type of transaction. |
<TxnCode> |
Yes |
See the TxnCode sub-element |
|
TxnAmt |
The transaction amount. |
<BasicAmount> |
Yes |
See the TxnAmt sub-element |
|
CashbackAmt |
The Cashback amount (if applicable). |
<BasicAmount> |
Yes |
See the CashbackAmt sub-element |
|
BillAmt |
The amount posted to the cardholder account. This does not include interchange. |
<RateAmount> |
Yes |
See the BillAmt sub-element |
|
ApprCode |
The Approval Code generated by the issuer and printed on the receipt. |
<ApprCode> |
Yes |
See the ApprCode sub-element |
|
Trace |
Information used to uniquely identify the transaction. (Mastercard only; Visa will be empty) Note: Not applicable to the Discover Global Network. |
<Trace> |
Yes |
See the Trace sub-element |
|
MerchCode |
A unique code identifying the merchant (also know as the Card Acceptor Identifier) |
<MerchCode> |
Yes |
See the MerchCode sub-element |
|
Term |
Details of the terminal on which the transaction was actioned. |
<Term> |
Yes |
See the Term sub-element |
|
Schema |
Indicates the name of the card scheme. |
<Schema> |
Yes |
See the Schema sub-element |
|
Txn |
Describes the validation / authentication properties used in a transaction.
|
<Txn> |
Yes |
See the Txn sub-element |
|
MsgSource |
Describes the derivative source of the record. |
<MsgSource> |
Yes |
See the MsgSource sub-element |
|
Fee |
The interchange fee. |
<DirectionAmount> |
Yes |
See the Fee sub-element |
|
FeeAmt |
The fee amount. This is the sum total of any rate fee and fixed fee applied to the transaction (see |
< DirectionAmount> |
Yes |
See the FeeAmt sub-element |
|
FeeClass |
Describes the derivation and nature of the fee. |
<FeeClass> |
Yes |
See the FeeClass sub-element |
|
SettlementAmt |
The settlement amount (Mastercard only). |
<SettlementAmt> |
Yes |
See the SettlementSub_Elements_and_Attributes.htm sub-element |
|
ARN |
The Acquirer Reference Number. |
<ARN> |
Yes |
See the ARN sub-element |
|
FIID |
Forwarding Institution Identification code. |
<FIID> |
Yes |
See the FIID sub-element |
|
RIID |
Receiving InstitutionIdentification code. |
<RIID> |
Yes |
See the RIID sub-element |
|
ReasonCode |
Message reason code. |
xs:string |
If Applicable |
|
|
Classification |
Merchant classification for the transaction. |
<Classification> |
Yes |
See the Classification sub-element |
|
Response |
Indicates whether transaction was approved or not. |
<Response> |
Yes |
See the Response sub-element |
|
OrigTxnAmt |
Original Transaction Amount. The value of the original transaction requested by the cardholder. This is used in the case of the transaction being a reversal. |
<PartialAmount> |
If Applicable |
See the OrigTxnAmt sub-element |
|
CCAAmount |
The Currency Conversion Assessment amount (Mastercard only; Visa will always be zero). Note: Not applicable to Discover Global Network. |
<CCAAmount> |
Yes |
See the CCAAmount sub-element |
|
SettlementIndicator |
Indicator for Domestic or International settlement. |
<SettlementIndicator> |
If Applicable |
See the SettlementIndicator sub-element |
|
Additional_Amt_DE54 |
Additional amounts field where additional fees like transport fees are held. Note: Not applicable to Discover Global Network. |
<Additional_Amt_DE54> |
If applicable |
See the Additional_Amt_DE54 sub-element |
|
BSA |
Business Service Arrangement type code (Mastercard only; Visa will always be empty). Note: Not applicable to Discover Global Network. |
<BSA> |
If applicable |
See the BSA sub-element |
|
PaymentToken |
This element is populated from Payment Token data when a Payment Token was used for the transaction. If no Payment Token was used, then the PaymentToken element is omitted. Note: Not applicable to Discover Global Network. |
<PaymentToken> |
If Applicable |
See the PaymentToken sub-element |
|
UniqueTransactionReference |
Unique transaction reference. Not applicable to Visa. |
<UniqueTransactionReference> |
If applicable |
See UniqueTransactionReference sub-element |
|
SettlementRecapID |
Settlement Recap ID is a Discover Global Network specific data element. Discover members send financial transaction data grouped under recaps separately for each member. Settlement Recap ID defines the recap breakdown to help members for their reconciliation with Discover. |
<SettlementRecapID> |
If applicable |
See SettlementRecapID sub-element |
Example (Advice)
<CardFinancial>
<RecordType>ADV</RecordType>
<FinId>3762915660</FinId>
<AuthId>0</AuthId>
<PresentmentID>707660052</PresentmentID>
<LocalDate>20200131033444</LocalDate>
<LocalDateUTC>0131032745</LocalDateUTC>
<SettlementDate>20200131</SettlementDate>
<SchemeSettlementDate>20200131</SchemeSettlementDate>
<SchemeReconciliationDate>20200131</SchemeReconciliationDate>
<CycleNumber>01</CycleNumber>
<Card PAN="7481023633651502" MaskedPAN="748102******1502" product="MCRD" programid="GPS" productid="9007" branchcode="MAES" />
<Account no="102363365" type="01" />
<TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" />
<TxnAmt value="10.00" currency="090" />
<CashbackAmt value="0.00" currency="826" />
<BillAmt value="10.00" currency="826" rate="1.000000000" />
<ApprCode>104934</ApprCode>
<Trace auditno="139451" origauditno="139451" Retrefno="000000941051" />
<MerchCode>424242424242424</MerchCode>
<Term code="TRM03016" location="The Local Bank London GB" street=""
city="" country="GB" inputcapability="0" authcapability="0" />
<Schema>MCRD</Schema>
<Txn cardholderpresent="" cardpresent="" cardinputmethod="" cardauthmethod="" cardauthentity="" TTI="" />
<MsgSource value="67" domesticMaestro="no" />
<Fee value="0.00" value2="0.00" currency="826" direction="credit" />
<FeeAmt value="0.00" currency="826" direction="debit" />
<FeeClass interchangeTransaction="no" type="1" code="1" />
<SettlementAmt value="10.00" currency="826" rate="1.000000000" />
<ARN />
<FIID>06111111</FIID>
<RIID>06000111</RIID>
<ReasonCode />
<Classification MCC="0000" />
<Response approved="yes" />
<OrigTxnAmt value="10.00" currency="090" />
<CCAAmount value="0.00" currency="826" included="no" />
<Additional_Amt_DE54 />
<BSA>0</BSA>
</CardFinancial>