Welcome to the Aurora Behaviours Fees Solution.

The Fee solution gives you control over what fees are applied to your cardholders' activity whether that is a flat charge per transaction, a percentage-based fee, or a conditional fee that only activates after a set threshold is met.

How Fees Are Managed

CLOWD9 assesses fees at two distinct stages of a transaction's lifecycle: Authorisation and Clearing. Understanding the difference helps you anticipate when fees will appear on cardholder balances and in your reporting.

Authorisation Fees

When a transaction is authorised, CLOWD9 calculates the applicable fee immediately and includes it in the revised cardholder billing amount.

The following then occurs automatically:

• The cardholder's Available Balance and Authorised Balance are updated to reflect the fee.
• A webhook notification is sent to you in real time, containing full details of the transaction and fee.
• Any applicable limits (for example, monthly spend limits) are incremented to reflect the fee.

If your programme is On Ledger, fee amounts are immediately applied to the cardholder's Available Balance and Authorised Balance. If your programme is Off Ledger, fees are communicated to you via webhook so you can apply them within your own system.

Special Cases At Authorisation

Some non financial authorisation requests have a zero monetary value but may still carry a fee for example ATM PIN changes, ATM balance enquiries, ATM PIN unblock requests, and some financial authorisation requests may be declined transactions.

In these cases:

• Limits and counters are still incremented as configured.

• For Off Ledger programmes, the fee event is communicated to you via webhook.

• For On Ledger programmes:

  • If the cardholder's Available Balance is insufficient to cover the total amount of assessed fees, the fee is not applied and and you are notified.
  • If the cardholder's Available Balance is sufficient, the fee is applied to both the actual balance and available balance, and you are notified.

Clearing Fees

Clearing represents the final financial settlement of a transaction.

At this stage CLOWD9 recalculates and finalises the fee. The process differs slightly depending on whether the clearing is matched to an original authorisation.

Clearing matched to an authorisation:

• The authorisation including any assessed authorisation fees held against the cardholder's Available Balance are reversed.
• Amount based Limit values are adjusted as required (NB Count based Limit values are not reduced for clearing stage).
• The clearing fees are calculated and applied to the Actual Balance. and Available Balance.
• You receive a webhook notification confirming the settled amounts.

Clearing not matched to an authorisation

Occasionally a clearing message arrives without a corresponding authorisation (for example, a delayed or offline transaction). In this case:

• Amount based Limit values are adjusted as required (NB Count based Limit values are not reduced for clearing stage).
• The clearing fees are calculated and applied to the Actual Balance. and Available Balance.
• You receive a webhook notification confirming the settled amounts.