|
Parameter |
Deferred debit/ Charge cards |
Description |
|
Closure calendar |
X |
Is mandatory and used to calculate all cycles including closure date and all related events per cycle (statement issuing date, payment due date, etc) |
|
Minimum payment amount |
|
|
|
Full payer |
X |
Customer has to repay its full statement balance every month/cycle |
|
Statement |
optional |
Statement raw data are prepared at cycle closure date and can be provided to an output management service (file) or via web service (online) |
|
Delinquency |
optional |
At payment due date or upcoming cycle closure date card account can become delinquent (usually activated if customer pays from an external bank account) |
|
Payment method: direct debit, self-payer |
X |
The customer can be debited from its bank account (Direct debit) or as self-payer he/she has to transfer the money from its own bank account to its card account to repay its card account |
|
Prepaid accounts |
|
|
|
Allowed for an overlimit of the open-to-buy amount |
X |
Default choice |
|
With delay posting of financial operations leading to an overlimit of the open-to-buy amount (debit balance) |
optional |
|
|
Preventing posting of financial operations leading to an overlimit of the open-to-buy amount (debit balance) |
optional |
|
|
Incoming fund transfer |
|
|
|
LOAD |
X |
Customer can transfer its money to issuer in order to load its prepaid card |
|
Maximum allowed open-to-buy |
optional |
Issuers can define a maximum allowed open-to-buy per prepaid card. This amount can be set to 0 to prevent any load request. |
|
Maximum allowed amount per load request |
optional |
Issuers can define a maximum amount per load request, e.g. customer cannot load more than 500€ per load request |
|
Maximum allowed amount per load request depending on customer’s age |
optional |
The maximum allowed amount per load request can depend on the customer’s age, e.g. - Maximum 500€ per load request if customer is under 18 yo Maximum 5.000€ per load request if customer is above 18 yo |
|
Outgoing Credit transfer |
|
|
|
Contract termination |
X |
|
|
Card termination |
X |
|
|
On demand from Open-to-buy |
X |
|