Interchange Fee Engine

From transaction attributes to a merchant statement line

Interchange Fee Engine From transaction attributes to a merchant statement line 01 / Inputs 02 / Classify 03 / Price 04 / Record 05 / Bill Transaction · MCC · BIN · region · auth · 01 / Inputs · input Transaction MCC · BIN · region · auth input Qualify · downgrade rules · 02 / Classify · category Qualify downgrade rules category Rate Tables · IC · scheme · 03 / Price · versioned Rate Tables IC · scheme versioned Price · IC + scheme + markup · 03 / Price · compute Price IC + scheme + markup compute Fee Record · per-txn breakdown · 04 / Record · immutable Fee Record per-txn breakdown immutable Statement · merchant rollup · 05 / Bill · billing Statement merchant rollup billing attributes raw fields category qualified tier rate lookup effective-dated fee lines IC · scheme · markup aggregate period rollup Legend primary data policy / PII async batch data store

Deterministic Path

  • • Same attributes plus same rate version always yield the same fee
  • • Classification precedes pricing so downgrades are explainable
  • • Every component is stored, not just the total

Effective-Dated Rates

  • • Rate tables are versioned by scheme release date
  • • Lookup uses the transaction date, never today
  • • Re-runs reproduce historical statements exactly