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:

The revised_cardholder_billing_conversion_rate is calculated first
The FX Mark Up Fee value (revised_cardholder_billing_amount - cardholder_billing_amount) is calculated. At this stage the revised_cardholder_billing_amount is an interim value
The Variable Fee is calculated using the 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 apply
The Fixed Value is last as this is a static value (if applicable)
Total fees are then added to the revised_cardholder_billing_amount

Please 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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 200,
        "revised_cardholder_billing_amount": "10200",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "20000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "20000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 200,
        "revised_cardholder_billing_amount": "20200",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "50000",
            "available_balance": "29800",
            "overdraft_value": "",
            "authorized": "20200"
        }
    ]
}

Variable Fee

Variable Fee is 5% of the Billing Amount

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "variable_fee",
                "amount": 500
            }
        ],
        "fees_amount": 500,
        "revised_cardholder_billing_amount": "10500",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "500",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "variable_fee",
                "amount": 25
            }
        ],
        "fees_amount": 25,
        "revised_cardholder_billing_amount": "525",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "1000",
            "available_balance": "475",
            "overdraft_value": "",
            "authorized": "525"
        }
    ]
}

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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "1000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "minimum_fee",
                "amount": 100
            }
        ],
        "fees_amount": 100,
        "revised_cardholder_billing_amount": "1100",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "1000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "minimum_fee",
                "amount": 100
            }
        ],
        "fees_amount": 100,
        "revised_cardholder_billing_amount": "1100",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "2000",
            "available_balance": "900",
            "overdraft_value": "0",
            "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "maximum_fee",
                "amount": 300
            }
        ],
        "fees_amount": 300,
        "revised_cardholder_billing_amount": "10300",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "maximum_fee",
                "amount": 300
            }
        ],
        "fees_amount": 300,
        "revised_cardholder_billing_amount": "10300",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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:
1. (Cardholder Billing Conversion Rate x FX Markup Rate) + Cardholder Billing Conversion Rate
2. (0.5x5%)+0.5
3. 0.025+0.5
4. revised_cardholder_billing_conversion_rate is 0.525
The revised_cardholder_billing_amount is calculated as follows:
1. transaction_amount x revised_cardholder_billing_conversion_rate
2. 10000 x 0.525
3. The revised_cardholder_billing_amount will be 5250
fx_markup_fee is calculated as follows:
1. revised_cardholder_billing_amount - cardholder_billing_amount
2. 5250 - 5000 = 250
3. fx_markup_fee = 250

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
              "type": "fx_markup_fee",
              "revised_cardholder_billing_conversion_rate":"0.525",
              "amount": 250
            }
        ],
        "fees_amount": 250,
        "revised_cardholder_billing_amount": "5250",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
              "type": "fx_markup_fee",
              "revised_cardholder_billing_conversion_rate":"0.525",
              "amount": 250
            }
        ],
        "fees_amount": 250,
        "revised_cardholder_billing_amount": "5250",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "10000",
            "available_balance": "4750",
            "overdraft_value": "0",
            "authorized": "5250"
        }
    ]
}

Fee Combinations

Variable Fees and Fixed Fees

Variable Fee is configured to 5%
Fixed Fee is configured to 200

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "variable_fee",
                "amount": 500
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 700,
        "revised_cardholder_billing_amount": "10700",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "1000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "variable_fee",
                "amount": 50
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 250,
        "revised_cardholder_billing_amount": "1250",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "2000",
            "available_balance": "750",
            "overdraft_value": "0",
            "authorized": "1250"
        }
    ]
}

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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "1000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "miniumum_fee",
                "amount": 100
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 300,
        "revised_cardholder_billing_amount": "1300",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "1000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "miniumum_fee",
                "amount": 100
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 300,
        "revised_cardholder_billing_amount": "1300",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "fees": [
            {
                "type": "maximum_fee",
                "amount": 300
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 500,
        "revised_cardholder_billing_amount": "10500",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "826",
        "cardholder_billing_amount": "10000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "1",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "maximum_fee",
                "amount": 300
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 500,
        "revised_cardholder_billing_amount": "10500",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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%

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "100000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "50000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "fees": [
            {
                "type": "fx_markup_fee",
                "revised_cardholder_billing_conversion_rate": "0.525",
                "amount": 25
            },
            {
                "type": "fixed_fee",
                "amount": 200
            }
        ],
        "fees_amount": 250,
        "revised_cardholder_billing_amount": "750",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "1000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "500",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "1000",
            "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

Authorization Request

{
    "message_type": "authorization",
    "message_qualifier": "request",
    "source": "visa",
    "card": {
        "card_id": "f9ed6e37-56bf-45e4-8f60-31b107a5b972",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "4789"
    },
    "customer": {
        "customer_id": "aa2b42bd-0788-444e-ba57-b647f0a29be3"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_service": "Goods and Service",
        "transaction_id": "7f6e5cf4-2e90-4604-b949-19a7c4fc50ef",
        "system_trace_audit_number": "446943",
        "retrieval_reference_number": "521098129204",
        "network_transaction_id": "685210619072129",
        "transmission_date": "0729",
        "transmission_time": "171147",
        "transaction_local_date": "0729",
        "transaction_local_time": "051147",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "238729",
        "transaction_link_id": "685210619072129",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        }
    },
    "acquirer": {
        "acquiring_institution_id_code": "444444",
        "acquiring_institution_country_code": "826",
        "merchant_category_code": "5542",
        "card_acceptor_terminal_id": "CHIPEMV1",
        "card_acceptor_id": "MERCHANT 000005",
        "card_acceptor_name": "CLOWD9 TRAVEL        ",
        "card_acceptor_city": "LONDON       ",
        "card_acceptor_country_code": "GB"
    }
}

Network Confirmation

{
    "message_type": "authorization",
    "message_qualifier": "network confirmation",
    "source": "visa",
    "card": {
        "card_id": "3ad0ca51-834e-43ad-b5a1-8149bca96e57",
        "card_form_factor": "physical",
        "card_status": "active",
        "card_ending": "1234"
    },
    "customer": {
        "customer_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685"
    },
    "transaction": {
        "credential_on_file": "n",
        "transaction_type": "00",
        "transaction_id": "1b12f4f5-6e81-4b0d-9a12-0cb3a6e1f7f7",
        "system_trace_audit_number": "873202",
        "retrieval_reference_number": "517187518360",
        "network_transaction_id": "395171654772020",
        "transmission_date": "0620",
        "transmission_time": "181117",
        "transaction_local_date": "0620",
        "transaction_local_time": "061117",
        "transaction_amount": "10000",
        "transaction_currency_code": "840",
        "cardholder_billing_amount": "5000",
        "cardholder_billing_currency_code": "826",
        "cardholder_billing_conversion_rate": "0.5",
        "from_account": "default",
        "to_account": "default",
        "eci": "0",
        "dcc_indicator": "n",
        "chip_indicator": "contact",
        "pin_indicator": "offline_passed",
        "3ds_indicator": "n",
        "avs_outcome": "n",
        "sca_indicator": "n",
        "partial_approval_supported": "n",
        "cardholder_condition": "00",
        "authorization_code": "680218",
        "transaction_link_id": "8933285339569877",
        "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",
        "status": {
            "response_code": "000",
            "response_source": "clowd9",
            "response_reason": "Approved"
        },
        "acquirer": {
            "acquiring_institution_id_code": "444444",
            "acquiring_institution_country_code": "826",
            "merchant_category_code": "5411",
            "card_acceptor_terminal_id": "CHIPEMV1",
            "card_acceptor_id": "MERCHANT 000005",
            "card_acceptor_name": "CLOWD9 Travel         ",
            "card_acceptor_city": "LONDON       ",
            "card_acceptor_country_code": "GB"
        }
    },
    "accounts": [
        {
            "account_id": "a1bb1a67-b5c2-4ac4-9c4c-ab8776d06685",
            "actual_balance": "10000",
            "available_balance": "4450",
            "overdraft_value": "0",
            "authorized": "5550"
        }
    ]
}