List Types

Lists are available to be created from the following List Types :

• Merchant Category Codes : to allow selectivity about which types of merchants a card can be used in
• Country : to allow selectivity about which country a card can be used in
• Currency : to allow selectivity about which foreign currencies a card can be used in

Lists can be created as

• White List - if the authorisation data elements (MCC/Country/Currency) are matched to entries on a white list they will be allowed to progress and be subject to other applicable authorisation checks. If the authorisation data element is not able to be matched to an entry then the authorisation will always be declined.
• Black List - if the authorisation data elements (MCC/Country/Currency) are matched to entries on a black list the authorisation will always be declined. If the authorisation data element is not able to be matched to an entry then the authorisation will be allowed to progress and be subject to other authorisation checks.

Note that for any given List Type ie MCC, Country or Currency, White List and Black Lists are mutually exclusive. ie ONLY a white list OR a Black List can be created per List Type.

If you change the values in a List within a Behaviour for a Product, this applies to newly created cards only. Existing cards retain their current List settings and must be updated individually using the Set Behaviour API.

At the point of authorisation, CLOWD9 evaluates each relevant List parameter against the incoming authorisation request. Based on the configured value, CLOWD9 will either approve the transaction (subject to all other authorisation rules) or decline it as not permitted.

All authorisations are subject to all authorisation rules within a Behaviour and so passing a Card Usage check doesn't guarantee an approved authorisation it means the transaction type is permitted and will proceed on through the normal authorisation flow.