Create card transaction with fee

In this example, we will demonstrate how to add account transactions to a card account without creating a reservation first, but including a fee.

If you are working with Tuum setup where card-related accounts are located within Tuum core, you should use the appropriate Account API endpoints instead.

Use case

In this example, the fee is calculated by a system outside the Tuum CMS. Here, the CMS simply records the transaction and the specified fee as provided, without using its own pricing mechanisms.

Use case data	API parameters with values
The card account ID to which the transaction is added.	...accounts/C001664282651/transactions
Transaction type code	"transactionTypeCode": "CARD_PUR"
Transaction amount	"money": { "amount": 50, "currencyCode": "EUR" }
The date on which the transaction is considered effective.	"valueDate": "2025-11-04"
The exact date and time when the transaction was originally created, including time zone.	"originalDTime": "2025-11-04T14:11:16+01:00"
Transaction details	"details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN EE"
Merchant information	"merchantInfo": "ECOMMERCE SHOP1 >TALLINN EE"
Account balance must be checked before making the transaction.	"checkBalance": true
The card with ID C001664282660 was used for the transaction. Note: It is recommended to always provide the card ID. This is necessary to identify the correct card-level price list in cases where multiple cards are associated with the same account.	"cardId": "C001664282660"
The account transaction was created by transaction ID-181922 in the external system named ONLINE.	"source": { "sourceName": "ONLINE", "sourceRef": "ID-181922" }
List of fee details related to the transaction, including the fee transaction type code CARD_PUR_FEE, amount 1.50 EUR, and source information ONLINE, reference ID-181922.	"fees": [ { "transactionTypeCode": "CARD_PUR_FEE", "money": { "amount": 1.50, "currencyCode": "EUR" }, "source": { "sourceName": "ONLINE", "sourceRef": "ID-181922" } } ]

Sample API call

To create a card account transaction where the fee calculation is performed in an external system, use the following endpoint:

https://card-api.sandbox.tuumplatform.com/api/v1/accounts/{accountId}/transactions

Learn more about the create card account transaction endpoint in the Tuum developer portal.

Sample request

The sample request body is as follows:

JSON

{
  "transactionTypeCode": "CARD_PUR",
  "money": {
    "amount": 50,
    "currencyCode": "EUR"
  },
  "valueDate": "2025-11-04",
  "originalDTime": "2025-11-04T14:11:16+01:00",
  "details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN       EE",
  "merchantInfo": "ECOMMERCE SHOP1 >TALLINN       EE",
  "checkBalance": true,
  "source": {
    "sourceName": "ONLINE",
    "sourceRef": "ID-181922"
  },
  "fees": [
    {
      "transactionTypeCode": "CARD_PUR_FEE",
      "money": {
        "amount": 1.50,
        "currencyCode": "EUR"
      },
      "source": {
    "sourceName": "ONLINE",
    "sourceRef": "ID-181922"
      }
    }
  ]
}

cURL

Sample response

Below you will find the response to the API request:

{
    "errors": null,
    "validationErrors": null,
    "data": [
        {
            "accountTransactionId": "C001664282499",
            "groupId": "C001664282507",
            "postingDate": "2025-11-04",
            "valueDate": "2025-11-04",
            "originalDTime": "2025-11-04T14:11:16+01:00",
            "accountId": "C001664282651",
            "transactionTypeCode": "CARD_PUR",
            "directionCode": "OUT",
            "currencyCode": "EUR",
            "amount": 50.00,
            "initialBalanceAmount": 892.00,
            "counterpartyName": null,
            "counterpartyIban": null,
            "counterpartyBic": null,
            "details": "POS: ...0404, ECOMMERCE SHOP1 >TALLINN       EE",
            "source": {
                "sourceName": "ONLINE",
                "sourceRef": "ID-181922"
            },
            "merchantInfo": "ECOMMERCE SHOP1 >TALLINN       EE",
            "additionalInfo": null,
            "instalmentPlanId": null,
            "createdDTime": "2025-11-05T12:19:31.039726397Z",
            "reversed": false
        },
        {
            "accountTransactionId": "C001664282500",
            "groupId": "C001664282507",
            "postingDate": "2025-11-04",
            "valueDate": "2025-11-04",
            "originalDTime": "2025-11-04T14:11:16+01:00",
            "accountId": "C001664282651",
            "transactionTypeCode": "CARD_PUR_FEE",
            "directionCode": "OUT",
            "currencyCode": "EUR",
            "amount": 1.50,
            "initialBalanceAmount": 842.00,
            "counterpartyName": null,
            "counterpartyIban": null,
            "counterpartyBic": null,
            "details": null,
            "source": {
                "sourceName": "ONLINE",
                "sourceRef": "ID-181922"
            },
            "merchantInfo": null,
            "additionalInfo": null,
            "instalmentPlanId": null,
            "createdDTime": "2025-11-05T12:19:31.055115204Z",
            "reversed": false
        }
    ]
}

Result

As a result, two transactions were created: a main transaction for 50.00 EUR and a fee transaction for 1.50 EUR, exactly matching the data provided in the input.