Prerequisites

Prior creating a new card product, complete the required setup:

After completing the required steps, you can proceed with the card product creation.

Create card product

To create a new card product, go to:

1. Cards > Products > Card products.

2. On the Card products page, click the Add new product button.

1. Fill in the following card product parameters:

1. Click Submit to finalise the card product creation.

The following screenshots show the settings for debit cards:

The following screenshots show the settings for credit cards:

About reporting product code

The reporting product code refers to the category of product or service. Reporting product codes are used for most finance and reporting purposes.

For the card module, the reporting product code is included in all transaction and contract event messages. The finance API consumes these event messages and uses them for reporting. In the Tuum financial entries, the reporting product codes can be used with the GL accounts that are related to the customer account or contract and represent the receivables or payables, and the related revenue or expenses.

You need to select reporting product codes for the following entities:

• For each debit card product that you create.

• For credit types.

• For credit card instalment plan types.

You can use the same reporting product code for different card products.

You cannot use the reporting product codes for the following:

• Transit type of GL accounts. For example, payment transit accounts or transit accounts between the Tuum business modules.

• Nostro accounts and the related fees or interest.

To manage lookup codes, select Administration > Settings > Lookups. From the left-hand menu, select the COMMON.REPORTING_PRODUCT_CODE lookup. The codes are defined with the entity name COMMON.REPORTING_PRODUCT_CODE and the lookup type code VALUE. The list is used by all the modules and you cannot create separate codes for different entities.

The following screenshot shows the list of lookup codes:

The authorisation types allowed for a card product are handled by usage groups assigned to the card product. The defined groups can be shared across multiple card products.

• Usage group - A group that controls where a card can be used. For example, in ATMs, for e-commerce, and for contactless purchases.

• Upper usage group - A group with the maximum allowed authorisation types.

• Default usage group - The default group for the card product.

• Allowed authorisation types (service codes) - The allowed authorisation types on the cards.

To create a new usage group, click Create usage group.

• On the New usage group window that opens, enter the name and the organisation unit.

• The usage group that you are creating must be defined as an upper usage group or must be linked to an upper usage group.

• Select the authorisation types from the list and click Submit.

You can also create and view existing groups from Cards > Usage group.

The MCC (Merchant Category Codes) are four-digit numbers used to categorise the transactions and to classify merchants and business by the type of good or services provided.

The Tuum system allows setting up two types of MCC groups:

• Whitelist - only the authorisations with the MCC groups that are defined in whitelist are allowed, other authorisations will be declined.

• Blacklist - all authorisation requests with the MCC groups that are defined in blacklist will be declined.

When setting up a card product you can define one or many Allowed mcc groups and set one default mcc group.

Once the allowed and default mcc groups are selected, click the Create mcc group button and fill in the following parameters, click Submit:

• Mcc group name - Enter a group name. It can only consist of the upper-case letters, numbers and underscores. It must start with a letter and cannot end with an underscore.

• Control Type - Select if the group is whitelisted or blacklisted.

• Mcc codes - Select the relevant mcc codes. You can select multiple values.

• Organisation unit - Select the organisation unit from the list.

A design ID is the value agreed with the card manufacturer and this information is provided with the request sent to the processor when ordering a physical plastic card. You must define at least one product design to be able to create a card product. The maximum length for a design ID is defined within the System property under Settings.

Select the allowed product designs and a default product design. Only one design can be the default product design.

To create a new design, click Create design. Enter the design code and provide a description.

The card usage limits allowed for a card product are handled by limit groups assigned to the card product. The defined groups can be shared across multiple card products.

• Limit group - A group that controls the allowed limits for authorisation types with defined upper and default limits.

• Upper limit group - A group with the maximum allowed limits.

• Default limit group - The default group for the card product.

To create a new group, click Create limit group.

• On the New limit group window that opens, enter the group name and the organisation unit.

• If the limit group you are creating is not an upper limit group, then you must select an upper limit group.

• If you are creating an upper limit group, it is optional to select an upper limit group.

• Click Add limit to select the limit type and the currency. Enter the limits for the limit type.

• You can add more limits by clicking Add limit and when you are done, click Submit.

You can also create and view existing groups from Cards > Limit group.

Click Submit to create the card product.

The following table shows the additional settings for physical and virtual card types: