Common card product parameters

The table below summarizes the common parameters of a debit, credit or prepaid card product that could be used by an Issuer to define a new product in its portfolio.

Parameter	Description
Product form
PAN calculation algorithm	The issuer chooses the PAN calculation algorithm for this card product - Standard: Random, - Manual: provided by the issuer
PAN length	PAN length in the BIN range (Luhn key included)
Service code	Service code of the card
Card definition parameters
Card range	BIN provided by the Card scheme for the card product.
Sub card range	For each card product a sub-BIN range can be defined within the main BIN (each card created with this card product will have its PAN included within this defined sub-BIN range)
Issuing Scheme	Indicates the issuing scheme (e.g. Mastercard, Visa etc.)
Brand
Card Type
card scheme reporting default behavior	Indicates if card info should be reported to the scheme (ABU/VAU)
Card technologies	Magstripe (ISO tracks 1 & 2)/EMV Chip contact or contactless/virtual only
Card digitizable card flag	Indicates if the card is digitizable
Card designs	List of card designs: - Simple (mandatory) - with photo (optional) - with picture (optional)
Card creation
Card Production	For physical cards, indicates if the card is ordered at card creation time or later on demand.
Card Activation	Indicates how the card is activated: - either the card is issued as active at creation time, it can be immediately used (at least for e-commerce transaction) - or the card is activated later on demand (e.g. from ATM, MobileApp)
Card lifetime	Card life time in months for this card product
Expiry date - closed months	List of closed months that are excluded for the expiry date calculation (cards cannot be ended in this month) This is to avoid e.g. renewal during summer.
Sending mode	Allowed sending mode for first card. Our standard sending modes are: Normal, Urgent, Ultra urgent At card creation, one of the sending mode among the list is selected.
Card production
Embosser name	Name of the card embosser (ex: Idemia, Thales)
Embossing name provided by issuer?	Does the issuer provide the embossing name?
Embossing name calculation	Embossing name calculation algorithm (required if not provided by the issuer)
Cardholder Name	Cardholder Name in the chip/magstripe
Order production	For physical cards, indicates if the card is ordered immediately at card creation time or later on demand
Risk management
Velocity limits	Count of transactions (number of transaction within the given timeframe) Volume of transactions (amount within the given timeframe) Max. amount per Transaction Usage controls (restriction of card usage to specific types of merchants and/or transaction types)
PIN management rules
Self-selected PIN allowed	Indicates if the cardholder can choose his PIN
PIN mailer	Indicates if the PIN is sent to cardholder by mail (PIN mailer function).
PIN mailer editor	Name of the PIN mailer editor
PIN display	Indicates if the PIN can be displayed to cardholder (PIN display functionality)
PIN reminder	Service to remind the forgotten (existing) PIN to customer (a letter is sent to the customer)
PIN reorder	Service to order a new PIN to customer. (a letter is sent to the customer)
TAN mailer management rules (TAN used for self-selected PIN)
Automatic TAN request	When a new PIN is required, this parameter indicates if a TAN is requested automatically
Manual TAN request allowed (API)	Indicates if a TAN request is allowed for self-selected PIN (case of a PIN change)
if automatic or manual TAN request is allowed, then provide following TAN parameters
TAN delivery channel	Indicates how the cardholder receives the TAN
TAN lifetime	TAN life time in days
TAN allowed tries number	Maximum number of tries the cardholder has to choose his PIN
TAN length
TAN mailer editor	Name of the TAN mailer editor
Delivery rules	The delivery type indicates who receives the card and the pin mailer. The possibilities are: - to the Cardholder address - to the branch The sending mode can be normal, urgent. Provide all the allowed combinations per relevant event. Card: first issuer, replacement, renewal PIN: first PIN, new PIN in the context of replacement, renewal, PIN reorder, PIN reminder TAN request (Manual or automatic)
Fees
Card transaction fees	Fees depending on card transaction types are calculated and posted to the cardholder account.
Card fees	Indicates if fees depending on card events are required. If yes, the fees are calculated and posted to the cardholder account.
Account event fees	Indicates if fees based on account events are required.
Account setup fees	Indicates if account setup fees are required
Membership fees	Annual or monthly fees
Additional service fees	Fees related to (monthly fees or one shop fee at additional service subscription)
Automatic Renewal
PAN preservation	Indicates if the card is renewed with same PAN & same PIN
Renewal anticipation delay	Default renewal anticipation delay (in days)
Specific Renewal anticipation delay	Specific renewal anticipation delay for certain months (per month, indicates the delay in days)
Automatic renewal sending mode	Default sending mode for automatic renewal
Renewal expiry date calculation	Indicates how calculate the Expiry date for renewal: calculation started at current month or the month following the expiry date
Proposal for renewal	Worldline can extract and provide the list of cards, in an output file (XML format), that will be renewed X days before the renewal batch. The Issuer has the possibility to flag a card as "not to be renewed" via a web service.
Delay for proposal file	When the proposal for renewal is activated, the parameter indicates the extraction delay before the card expiration
Replacement card
Behavior expected by reason category	Replacement behavior for reason codes: lost, stolen, fraud
Behavior expected by reason category	Replacement behavior for reason codes as malfunction, new embossing name
Sending mode	Allowed sending mode for replacement