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Fee type*
Text
Name of the fee. This is a predefined value.
Currency code*
List
Select a fee currency.
This enables defining of multicurrency price lists. The correct price depends on the currency of the card.
Fee calculation rule*
List
Select the fee calculation rule.
The fee calculation rule defines how the fee is calculated. There are three rules:
Fix - The fee amount is fixed.
Fix/percent - The fixed amount is added on top of a percentage of the transaction amount.
Percent - A percentage of the transaction amount is used for the fee calculation.
Note: For the fees listed under Periodical fees and Maintenance fees, you can only select Fix as the calculation rule.
Fixed amount*
Number
Enter the fixed amount.
This field is displayed when the fee calculation rule is Fix or Fix/percent.
Percentage*
Number
Enter the percentage.
This field is displayed when the fee calculation rule is Fix/percent or Percent.
Minimum fee amount
Number
Enter the minimum fee amount.
This field is displayed when the fee calculation rule is Fix/percent or Percent.
Maximum fee amount
Number
Enter the maximum fee amount.
This field is displayed when the fee calculation rule is Fix/percent or Percent.
Charging based on transactions
List
Select one of the following values:
Count range - The number of transactions for which the fee is charged.
Amount range - Defining a range of transaction amounts for which the fee is charged.
With this field, you can define tiered pricing for fees.
Note: This field is displayed for the fees under the Transaction fees section.
Validity start date*
Date
Select the start date from which the price list is valid.
You can schedule the validity of different prices within one price list. However, only one price can be valid at a time and there can be no overlapping.
Validity end date (last value excl.)
Date
Select the end date till which the price list is valid. The last value is excluded from the range.
If you select Count range for the Charging based on transactions field:
Monthly minimum transaction count when fee is charged
Number
Enter the minimum number of transactions for which the fee is charged.
Monthly maximum transaction count when fee is charged
Number
Enter the maximum number of transactions for which the fee is charged.
If you select Amount range for the Charging based on transactions field:
Monthly minimum transaction amount when fee is charged
Number
Enter the minimum transaction amount for which the fee is charged.
Monthly maximum transaction amount when fee is charged
Number
Enter the maximum transaction amount for which the fee is charged.
Monthly transaction count threshold when fee is charged
Number
Enter the number of transactions per month that must be exceeded for this price to apply.
Note: Fill in only if you want the number of transactions and amount ranges to determine the price. Leave it blank if you are going to define the simple amount range-based pricing.
Labels:
transactionOrigination
List
Select the transaction origination label:
ATM_LOCAL - Transaction from home bank ATMs.
ATM_DOMESTIC - Transaction from domestic country ATMs.
ATM_EU - Transaction from EU country ATMs.
ATM_FOREIGN - Transaction from domestic country ATMs.
transactionCurrency
List
Select the transaction currency label:
CARD_CURRENCY - Transaction in card currency.
OTHER_CURRENCY- Transaction in other currency.
Creating tiered pricing by assigning counting and summing groups to transaction fee types in the particular price list is a new and preferred method for this activity. If you are about to create a new price list with tiered pricing, please use this method.
To add a counting group and/or summing group for transaction fee type in price list, go to:
Cards > Settings > Price lists.
Find the price list where you want to define a counting and summing groups for tiered pricing.
Click the Price list code to access the price list details.
Select the counting and/or summing group to be assigned with the fee type.
Once you have finished creating the needed counting and summing groups, you are ready to set up the tiered prices. To learn more, please refer to the following card pricing examples.
Price list code*
Text/Number
Enter the price list name. Must contain only upper case letters, numbers and underscores. Must start with a letter and not end with underscore.
Note: The price list name must start with a letter; cannot end with an underscore. Double underscores are not allowed.
Description
Text
Enter the card price list description.
Validity start date*
Date
Enter the start date from which the card is valid.
Note: The validity is based on the system date and not the banking date.
Validity end date (last value excl.)
Date
Enter the end date till which the card is valid. The last value is excluded from the validity range.
Organization unit*
List
Select an organisation unit from the drop-down menu. Note: The selection of an organisational unit restricts using the card price list within the organisation.
The Tuum system also allows the creation of tiered prices where the price in the card price list is calculated based on cumulative reference parameter value.
Count-based tiers allow prices to be calculated depending on the cumulative number of transactions.
Amount-based tiers allow prices to be calculated depending on the cumulative amount of transactions.
Amount and count-based tiers allow prices to be calculated depending on the cumulative amount of transactions and cumulative count of transactions simultaneously.
To take advantage of the tiered pricing capability in the card price lists you need to make the following two activities.
Create summing and/or counting groups for the particular transaction type for which you would like to apply the tiered prices.
Assign summing and/or counting groups to fee type in the price list.
The price in the card price list represents a fixed amount for a particular fee or a formula to calculate the fee amount for a specific fee.
To add a new price list price, go to:
Cards > Settings > Price lists.
Find the price list you where you want to define a price.
Click the Price list code to access the price list details.
You can only delete the prices in waiting status (the price whose validity date has not arrived yet). However, you cannot delete active or expired prices.
Currently, label-based pricing is only available for the ATM_WITHDRAWAL_FEE fee type. It has two sets of pricing labels available.
To add price labels, go to:
Cards > Settings > Price list.
On the Card price lists page find the price list to which you want to add labels.
Click the Price list code to access the price list details.
Find the ATM_WITHDRAWAL_FEE fee, click the plus sign.
Fill in the price list price details and set up the labels.
Click Save to add the price with labels.
The card price list in the Tuum system is a collection of prices that serve as a reference for defining fees. When associated with the card product, the price list starts to determine fees for this card product.
To create a new card price list from scratch, follow these steps.
Go to Cards > Settings > Price list.
On the Card price lists page click the New price list button.
To create a new card price list by duplicating the existing one, follow these steps.
Go to Cards > Settings > Price list.
On the Card price lists page find a price list that you want to copy.
In the Clone existing price list modal enter or change the parameters, click Save.
Once a card price list is created, you can find it by going to:
Cards > Settings > Price list.
Use search filters > Search.
Click the Price list code to access the price list details.
Go to Cards > Settings > Price list.
Enter the new details > Save.
You cannot delete a price list, you can only set the validity end date to disable an existing price list.
Find the fee type, scroll to the right and click the edit icon .
.
.
.
Once the price list is added to the system, you can update it by for the fee types.
Creating summing and counting groups is available only through the APIs. Please refer to the in the API cookbook.
Find the fee type, scroll to the right and click the plus icon .
Fill in the , click Save.
While creating a , you can also add a price label. The price labels help to fine-grain prices on a more granular level.
To learn more about using labels to define prices, please look at the in the card how-to guide.
Before setting up a , ensure that you created a card price list for that product.
Enter the for the new price list, click Save.
Copy an existing price list by clicking the duplicate icon .
On the Card price lists page find a price list that you want to modify and click the edit icon .
transactionOrigination
ATM_LOCAL - Transaction from home bank ATMs.
ATM_DOMESTIC - Transaction from domestic country ATMs.
ATM_EU - Transaction from EU country ATMs.
ATM_FOREIGN - Transaction from domestic country ATMs.
transactionCurrency
CARD_CURRENCY - Transaction in card currency.
OTHER_CURRENCY- Transaction in other currency.
Price list code
Text
Price list name. This is predefined value.
Fee type
Text
Name of the fee. This is predefined value.
Counting group
List
Select the counting group to set up price tiers for:
count range-based pricing, or
amount range-based pricing with a count threshold.
Leave it unselected if you are about to create amount range-based pricing.
Summing group
List
Select the summing group to set up price tiers for:
amount range-based pricing, or
amount range-based pricing with a count threshold.
Leave it unselected if you are about to create count-based pricing.
Here, we highlight some critical aspects of operating with tiered prices.
When you have created the counting and/or summing group so that counting and/or summing starts from reservations (includeReservations = true), then be aware that adjustments of counting and summing amounts happen on the following occasions.
The aggregated counting and/or summing value will be decreased when the authorisation reversal related to the already counted authorisation request is approved.
The aggregated counting and/or summing value will be decreased when the account reservation is released manually or by an overdue process.
This explanation is about to clarify the following scenario.
When aggregated counting and/or summing value has exceeded the threshold, it triggers the fee calculation from the next price tier.
After that, an adjustment would decrease the aggregated counting and/or summing value below the threshold.
Consequently, the fees calculated in the events noted in point one will stand and will not be recalculated.
Creating tiered pricing by assigning counting and summing groups to transaction types is an old method that is still supported. If you create new price lists with tiered pricing, please consider using the new method, where the counting and summing groups are assigned to the fee types in the particular price list.
To assign counting and summing groups, please follow the instructions below.
Go to Cards > Settings > Transaction types.
Find the transaction in question. In our example, it is the ATM_WITHDRAWAL transaction type and enter the name of:
Counting group - for setting up a count range price list.
Summing group - for setting up a amount range price list.
There are three groups of fee types:
Maintenance fees - are charged one time based on certain actions. For example, card opening fee.
Periodical fees - are charged periodically according to the agreed schedule. For example, a monthly fee.
Transaction fees - are charged each time transaction related to given fee type is posted. For example, ATM withdrawal fee.
You can find the list of the fee type settings by going to:
Cards > Settings > Fee types.
On the Fee type settings page, you can:
See if a fee type is enabled or disabled;
Enable/disabled fee types;
Verify if the label based pricing is supported for a particular fee type;
Check which transaction type corresponds with a particular fee type.
You can enable/disable a fee type by going to:
Cards > Settings > Fee types.
Find the fee type in question and switch the toggle button.
If a fee type is disabled:
Corresponding fee transaction type is disabled.
The fee is not visible on the price list, unless the price already exists. In this case, there is a warning in the price list indicating that the prices for the disabled fee are ignored by the system.
It is not possible to add a price for this fee type.
It is not included in fee cap creation. Disabled fee types are not visible in the list of fee types, unless they have already mapped to a fee cap. In this case, you will see a warning: Fee type is disabled.
It is not possible to make fee bookings using this fee type.
It is not possible to make custom bookings for a disabled fee account transaction types.
Fee calculation ignores prices associated with disabled fee types. Fee will not be charged when corresponding fee type is not enabled (even in case valid price for this fee type is present in price list).
We do not provide an option in the BackOffice to find any counting or summing group's current aggregated counting and/or summing value. Please refer to the examples in the API cookbook about finding current and values.
If you want to save the fee cap mapping with a disabled fee type, you must .
The Tuum system supports three groups of transaction types:
Main transaction types,
Fee transaction types,
Reversal transaction types.
You can find the list of the transaction types settings, by going to:
Cards > Settings > Transaction types.
On the Transaction type settings page you can:
Check if a transaction type is enabled or disabled;
Enable/disabled transaction types;
View the list of fee types applicable to a particular transaction type.
View/Change transaction type configuration.
You can enable/disable a transaction type by going to:
Cards > Settings > Transaction types.
Find the transaction type in question and switch the toggle button.
If transaction type is disabled:
It is not possible to make custom booking using this transaction type.
It is not possible to add new account transaction or account reservation using this transaction type.
It is not possible to use this transaction type when setting up credit product transactions.
Besides enabling a transaction type, you can also configure additional settings:
Fee cap code
Text/Number
Enter a name for the fee cap.
Calculation rule
List
Select one of the following rules to calculate the fee cap:
FIX - The fee is fixed to an amount.
PERCENT - The fee is calculated as a percentage of the credit limit.
FIX_PERCENT - The fee is calculated according to whichever occurs first, the fixed amount is reached or the percentage.
Amount and currency
Number and list
Enter the amount and select the currency from the drop-down menu.
Note: This field is disabled if you select Percent as the calculation rule. But you must select the currency.
Rate
Number
Enter the percentage rate. This field is displayed only if you select the calculation rule as Percent or Fix_Percent.
Interval type
Text
YEARLY is the default value and this field is non-editable.
Interval
Number
The interval is set for 1 year.
Organisation unit
List
Select the tenant code.
You have the option to set a fee cap for card products. A fee cap is the maximum amount of fees that the financial institution can charge to the customer over a defined period of time. Once the fee cap is reached, fee bookings are not allowed. Keep in mind that if the upcoming fee to be booked is higher than the fee cap remaining balance, then only the amount left to reach the fee cap is booked. The rest of the balance is stored as an unbooked balance.
To add a new fee cap, go to:
Cards > Settings > Fee caps.
On the Fee caps page, click the Add new fee cap button.
Fill in the fee cap settings.
Find the lis of existing fee caps:
Cards > Settings > Fee caps.
You can modify existing fee caps:
Cards > Settings > Fee caps.
Calculation rule,
Amount,
Organization unit.
Go to the price list for which you want to map the fees.
Click on the Map fees to fee cap.
Select the Fee cap code and the fee types you want to cap.
The following screenshot shows the Map fees to fee cap window:
Select the fee cap in question and click the edit icon . You can modify the following settings:
Once you and , you can map the fees to a fee cap:
The card price list in the Tuum system is a collection of prices that serve as a reference for defining fees.
The price in the card price list represents a fixed amount for a particular fee or a formula to calculate the price for a specific fee.
The card fees are classified into three fee types: maintenance, periodical and transaction fees. The fee types allow turning on or off each fee classified under the particular type.
Fee caps allow you to cap the maximum fee amounts calculated with the pricing formula.
In this chapter, you can find details about how to create and modify card price lists and their different components.