Clearing Fees Example
The following are examples to illustrate how the fees are calculated. It is important to note that where the FX Markup and the Variable Fee is configured, the following order must be followed:
- If configured, the FX Mark Up Fee value is calculated first.
- The revised_cardholder_billing_conversion_rate is calculated
- FX Mark Up Fee value (revised_cardholder_billing_amount - cardholder_billing_amount) is calculated and added into the interim revised_cardholder_billing_amount.
- If configured, the Variable Fee is calculated next using the interim revised_cardholder_billing_amount
- Where the Minimum Fee is configured and is greater than the calculated Variable value, the Minimum Fee will apply
- Where the Maximum Fee is configured and is less than than the calculated Variable value, the Maximum Fee will apply
- The calculated Variable Fee is added into the interim revised_cardholder_billing_amount.
- If configured, the Fixed Fee value is applied to the interim revised_cardholder_billing_amountlast as this is a static value.
- At this point the total amount of configured fees have been added to give the final revised_cardholder_billing_amount
Please see Fee Combinations for examples.
Also, please note, the Network Confirmation examples are the On Ledger versions and include the Accounts. For Off Ledger, the logic is the same but the Account object is not included.
Individual Fees
Fixed Fee
The Fixed Fee value is configured to 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 200,
"revised_cardholder_billing_amount": "10200",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 200,
"revised_cardholder_billing_amount": "1200",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364",
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "2000",
"available_balance": "800",
"overdraft_value": "",
"authorized": "1200"
}
]
}Variable Fee
Variable Fee is 5% of the Billing Amount
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "variable_fee",
"amount": 50
}
],
"fees_amount": 50,
"revised_cardholder_billing_amount": "1050",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "variable_fee",
"amount": 50
}
],
"fees_amount": 50,
"revised_cardholder_billing_amount": "1050",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364",
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "2000",
"available_balance": "950",
"overdraft_value": "",
"authorized": "1050"
}
]
}Minimum Fee (the calculated Variable Value is less than the Minimum Value)
Variable Fee is set to 5%, with the Minimum Fee set to 100
On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "minimum_fee",
"amount": 100
}
],
"fees_amount": 100,
"revised_cardholder_billing_amount": "1100",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "minimum_fee",
"amount": 100
}
],
"fees_amount": 100,
"revised_cardholder_billing_amount": "1100",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364",
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "2000",
"available_balance": "900",
"overdraft_value": "",
"authorized": "1100"
}
]
}Maximum Fee (the calculated Variable Value is greater than the Maximum Value)
Variable Fee is set to 5%, with the Maximum set to 300
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "maximum_fee",
"amount": 300
}
],
"fees_amount": 300,
"revised_cardholder_billing_amount": "10300",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "maximum_fee",
"amount": 300
}
],
"fees_amount": 300,
"revised_cardholder_billing_amount": "10300",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364",
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "20000",
"available_balance": "9700",
"overdraft_value": "0",
"authorized": "10300"
}
]
}FX Markup Fee
The fx_markup_fee is configured using a %, for example 5%. The fx_markup_fee and revised_cardholder_billing_amount is calculated as follows:
- The revised_cardholder_billing_conversion_rate to be used is calculated as follows:
- (Cardholder Billing Conversion Rate x FX Markup Rate) + Cardholder Billing Conversion Rate
- (0.5x5%)+0.5
- 0.025+0.5
- revised_cardholder_billing_conversion_rate is 0.525
- The revised_cardholder_billing_amount is calculated as follows:
- transaction_amount x revised_cardholder_billing_conversion_rate
- 10000 x 0.525
- The revised_cardholder_billing_amount will be 5250
- fx_markup_fee is calculated as follows:
- revised_cardholder_billing_amount - cardholder_billing_amount
- 5250 - 5000 = 250
- fx_markup_fee = 250
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
}
],
"fees_amount": 250,
"revised_cardholder_billing_amount": "5250",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
}
],
"fees_amount": 250,
"revised_cardholder_billing_amount": "5250",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "6000",
"available_balance": "750",
"overdraft_value": "0",
"authorized": "5250"
}
]
}Fee Combination
Variable Fees and Fixed Fee
Variable Fee is configured to 5% Fixed Fee is configured to 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "variable_fee",
"amount": 500
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 700,
"revised_cardholder_billing_amount": "10700",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "variable_fee",
"amount": 500
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 700,
"revised_cardholder_billing_amount": "10700",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "20000",
"available_balance": "9300",
"overdraft_value": "0",
"authorized": "10700"
}
]
}Minimum Fee (the calculated Variable Value is less than the Minimum Value) with Fixed Fee
Variable Fee is set to 5%, with the Minimum set to 100 Fixed Fee is 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "minimum_fee",
"amount": 100
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 300,
"revised_cardholder_billing_amount": "1300",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "1000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "minimum_fee",
"amount": 100
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 300,
"revised_cardholder_billing_amount": "1300",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "2000",
"available_balance": "700",
"overdraft_value": "0",
"authorized": "1300"
}
]
}Maximum Fee (the calculated Variable Value is greater than the Maximum Value) with Fixed Fee
Variable Fee is set to 5%, with the Maximum set to 300 Fixed Fee is 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "maximum_fee",
"amount": 300
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 500,
"revised_cardholder_billing_amount": "10500",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "10000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "826",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "1",
"base_to_billing_currency_rate": "1",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "1",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "maximum_fee",
"amount": 300
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 500,
"revised_cardholder_billing_amount": "10500",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "20000",
"available_balance": "9500",
"overdraft_value": "0",
"authorized": "10500"
}
]
}FX Markup and Variable Fee
FX Markup Fee 5% Variable Fee of 5%
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "variable_fee",
"amount": 262
}
],
"fees_amount": 512,
"revised_cardholder_billing_amount": "10512",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "variable_fee",
"amount": 262
}
],
"fees_amount": 512,
"revised_cardholder_billing_amount": "10512",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "20000",
"available_balance": "9488",
"overdraft_value": "0",
"authorized": "10512"
}
]
}FX Markup with Minimum Fee (the calculated Variable Value is less than the Minimum Value)
FX Markup Fee is 5% Variable Fee is 5%, with the Minimum Fee of 100
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "minimum_fee",
"amount": 100
}
],
"fees_amount": 125,
"revised_cardholder_billing_amount": "625",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "minimum_fee",
"amount": 100
}
],
"fees_amount": 125,
"revised_cardholder_billing_amount": "625",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "1000",
"available_balance": "375",
"overdraft_value": "0",
"authorized": "625"
}
]
}FX Markup with Maximum Fee (the calculated Variable Value is greater than the Maximum Value)
FX Markup Fee is 5% Variable Fee is 5%, with the Maximum Fee of 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "50000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "100000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "maximum_fee",
"amount": 200
}
],
"fees_amount": 450,
"revised_cardholder_billing_amount": "5450",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "50000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "100000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "maximum_fee",
"amount": 200
}
],
"fees_amount": 450,
"revised_cardholder_billing_amount": "5450",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "7000",
"available_balance": "1550",
"overdraft_value": "0",
"authorized": "5450"
}
]
}FX Markup Fee and Fixed Fee
FX Markup Fee 5%
Fixed Fee 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "maximum_fee",
"amount": 200
}
],
"fees_amount": 450,
"revised_cardholder_billing_amount": "725",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 225,
"revised_cardholder_billing_amount": "725",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "1000",
"available_balance": "275",
"overdraft_value": "0",
"authorized": "750"
}
]
}FX Markup Fee, Variable and Fixed Fee
FX Mark Up Fee 5% Variable Fee 5% Fixed Fee 200
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "variable_fee",
"amount": 26
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 251,
"revised_cardholder_billing_amount": "751",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "variable_fee",
"amount": 26
},
{
"type": "fixed_fee",
"amount": 200
}
],
"fees_amount": 251,
"revised_cardholder_billing_amount": "751",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "1000",
"available_balance": "249",
"overdraft_value": "0",
"authorized": "751"
}
]
}FX Markup Fee, Minimum Fee and Fixed Fee
FX Markup Fee 5%
Variable Fee 5%, Minimum Fee 100
Fixed Fee 100
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "minimum_fee",
"amount": 100
},
{
"type": "fixed_fee",
"amount": 100
}
],
"fees_amount": 225,
"revised_cardholder_billing_amount": "725",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "500",
"cardholder_billing_currency_code": "826",
"transaction_amount": "1000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 25
},
{
"type": "minimum_fee",
"amount": 100
},
{
"type": "fixed_fee",
"amount": 100
}
],
"fees_amount": 225,
"revised_cardholder_billing_amount": "725",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "10000",
"available_balance": "275",
"overdraft_value": "0",
"authorized": "725"
}
]
}FX Markup Fee, Maximum Fee and Fixed Fee
FX Markup Fee 5%
Variable Fee 5%, Maximum Fee 200
Fixed Fee 100
Off Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "maximum_fee",
"amount": 200
},
{
"type": "fixed_fee",
"amount": 100
}
],
"fees_amount": 550,
"revised_cardholder_billing_amount": "5550",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
}
}On Ledger
{
"message_type": "clearing",
"message_qualifier": "notification",
"clearing": {
"clearing_category": "sales_debit",
"presentment_type": "0",
"transaction_type": "00",
"transaction_service": "Goods and Service",
"reference_number": "15555555210000005063645",
"sequence_number": "0",
"date": "2025-07-29",
"authorization_code": "430984",
"cardholder_billing_amount": "5000",
"cardholder_billing_currency_code": "826",
"transaction_amount": "10000",
"cashback_amount": "0",
"transaction_currency_code": "840",
"interchange_fee": "C000000000001234567",
"transaction_to_base_currency_rate": "0.5",
"base_to_billing_currency_rate": "0.5",
"card_acceptor_name": "CLOWD9 TRAVEL ",
"cardholder_billing_conversion_rate": "0.5",
"card_id": "9347b6be-6b9e-48c1-9a21-36d641889e9a",
"card_ending": "6499",
"clearing_outcome": "0",
"record_id_clearing": "d1a2626d-5de0-4a47-b32b-65400462ae2b",
"last_multiple_record": "false",
"cardholder_condition": "08",
"chip_indicator": "n",
"pin_indicator": "n",
"dcc_indicator": "n",
"3ds_indicator": "n",
"eci": "5",
"fees": [
{
"type": "fx_markup_fee",
"revised_cardholder_billing_conversion_rate": "0.525",
"amount": 250
},
{
"type": "maximum_fee",
"amount": 200
},
{
"type": "fixed_fee",
"amount": 100
}
],
"fees_amount": 550,
"revised_cardholder_billing_amount": "5550",
"authorizations": [
{
"auth_transaction_id": "072f698f-eaaa-41dd-8aaf-6c61f150d566",
"retrieval_reference_number": "521083075321",
"system_trace_audit_number": "506364"
}
]
},
"accounts": [
{
"account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
"actual_balance": "20000",
"available_balance": "14450",
"overdraft_value": "0",
"authorized": "5550"
}
]
}Updated 2 days ago