Card system properties
This section provides an overview of how to access card-related system properties and manage the key parameters that control card functionality.
To access the Card system properties:
Go to Administration > Settings > System properties.
On the System properties page, choose card-api from the content menu.
Below is a detailed explanation of the card-related parameters.
ACCOUNT_TRANSACTION_BOOKMARK
Description
System-managed marker that indicates where to resume processing new credit account transactions. Not editable by the user.
Explanation
This property tracks the last successfully processed credit account transaction. During routine background processing (batch process), the system uses this bookmark to identify and process only new transactions since that point.
These new transactions are copied into an internal table that supports interest calculation, repayment tracking, and other credit-specific functions.
This ensures that:
Only new transactions are processed each time.
No transactions are duplicated or lost.
The system can pause and resume processing without reprocessing old data.
This parameter is defined by Tuum and cannot be changed.
CARD_DESIGN_ID_LENGTH
Description
Specifies the maximum allowed length for design codes.
Explanation
This parameter defines the upper limit on the number of characters that can be used in the design code field within a card design.
For more information, see Manage card design codes.
CARD_RENEWAL_MONTHS_AFTER_LIMIT
Description
Number of months after card expiry when card renewal is allowed.
Explanation
This parameter defines the grace period after a card has expired, within which it can still be manually renewed.
See Card renewal for more information on the renewal process this parameter affects.
CARD_RENEWAL_MONTHS_BEFORE_LIMIT
Description
Number of months before card expiry when card renewal is allowed.
Explanation
This parameter defines how early a card can be manually renewed before its expiration date.
CARD_RENEWAL_PROCESS_FINISH_MONTHS_BEFORE
Description
Number of months before card expiry when card renewal process is finished automatically.
Explanation
This parameter defines how far in advance of the card's expiry the system finalises the renewal process (e.g. preparing or issuing a renewed card). It ensures there is enough time for production, delivery, and activation, so that the cardholder can activate the new card before the current one expires—ensuring uninterrupted access to funds.
See Card renewal for more information on the renewal process this parameter affects.
The value must be less than or equal to the time window defined by CARD_RENEWAL_MONTHS_BEFORE_LIMIT.
CARD_RENEWAL_PROCESS_START_MONTHS_BEFORE
Description
Number of months before card expiry when card renewal process is triggered automatically.
Explanation
This parameter determines how early the system initiates the card renewal process prior to the card's expiration.
See Card renewal for more information on the renewal process this parameter affects.
This value should be greater than or equal to CARD_RENEWAL_PROCESS_FINISH_MONTHS_BEFORE to ensure the renewal process has sufficient time to complete before the card expires.
DEFAULT_LANGUAGE
Description
Default language for the customer (2-character code), used when no preferred language is set.
Explanation
This parameter defines the default language for a customer when no preferred language is specified in the Person API. The value must be a 2-character language code (ISO 639-1). This setting affects Card module functionality that involves translations — for example, transaction type descriptions shown in account statements. Translations themselves are managed via the Lookup API.
The value should match one of the supported ISO 639-1 language codes (e.g. EN, FR, ES).
HOME_BANK_AIID
Description
The home bank AIID is used to define the relationship between the issuing bank and the acquiring bank (e.g. On-Us and Off-Us transactions). Multiple values should be separated by comma.
Explanation
This parameter identifies the Acquirer Institution ID (AIID), corresponding to Data Element 32 (DE 32) in ISO 8583 messages. It must follow the format specified in the ISO 8583 standard. If multiple AIIDs are used, they should be separated by commas.
The property value determines whether a transaction is On-Us or Off-Us, impacting two areas:
Pricing - for assigning transaction labels and applying correct rates;
Reporting - for categorisation in Mastercard QMR reports.
MC_CREDIT_RESERVATION_TOLERANCE
Description
Number of days before an authorisation hold expires for a Mastercard Credit product.
Explanation
This parameter defines the tolerance period in days during which a reservation (authorisation hold) remains active on a Mastercard Credit product. After this period, if no clearing transaction is received, the reservation is released automatically.
MC_DEBIT_RESERVATION_TOLERANCE
Description
Number of days for reservation release for Mastercard Debit product.
Explanation
This parameter defines the tolerance period in days that an authorisation hold remains active on a Mastercard Debit product. If no clearing transaction is received within this period, the reservation is released automatically to free up the held funds.
PROCESS_NON_MATCH_CLEARINGS
Description
Process non match clearings automatically.
Explanation
This parameter controls the automatic processing of clearing transactions that do not have a matching authorisation. When enabled, such transactions are still posted, even if no prior authorisation is found. This can be useful in cases where authorisations are delayed, missing, or not required.
VISA_CREDIT_RESERVATION_TOLERANCE
Description
Number of days for reservation release for Visa Credit product.
Explanation
This parameter sets the number of days an authorisation hold remains in place on a Visa Credit product. If a clearing transaction is not received within this period, the reservation is released automatically.
VISA_DEBIT_RESERVATION_TOLERANCE
Description
Number of days for reservation release for Visa Debit product.
Explanation
This parameter defines how long an authorisation hold remains active on a Visa Debit product. If a corresponding clearing transaction is not received within the defined period, the reservation is automatically released to restore available funds.
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