5 Viewing Card Details

You can view the card details from the list of matching cards. From the Card Details page, you can view all transactions for the card, the details for a specific transaction, and manage the card using the Card Actions drop-down menu.

The summary of card information includes basic card details and current, available and unavailable (or blocked) balances.

To view the summary of card information for a specific card:

  1. Search for the required card by either searching for a specific Card Token or using additional criteria to complete the search.

  2. From the list of matching cards, click the required card to display the summary of card information.

    Figure 5: Card Details page displaying the summary of card information

    From the Card Details page, you can complete specific card actions, for example, adjusting the balance or changing the card status. For more information, read Managing Cards.

    The following table describes each of the fields available on the View Card Details page.

    Field

    Description
    Name

    The name of the cardholder.
    Date of Birth The date of birth of the cardholder.
    Email The email address of the cardholder.
    Phone The primary phone number of the cardholder.

    Customer Reference Number

    Cardholder account number or reference number. You can use this reference to find the cards linked to a cardholder.
    Card Status The current status of the card. For more information on the different card statuses, see Appendix B: Card Status Codes.
    Card Scheme The scheme the card is associated with. For example, Mastercard or Visa.

    Network Type

    The name of the network associated with the card. For example, Visa, Mastercard, or Discover Global Network (DGN).
    Product ID The unique ID of the card product linked to the card.
    Product Name The name of the product.
    Actual Balance The actual balance of the card. This is a combination of the available balance and blocked amount.
    Available Balance The currently available balance of the card.
    Blocked Amount Blocked amount (pending payments) of the available balance.

5.1 View Additional Card Details

When you first open the Card Details page, Thredd Portal: Cards and Transaction Management displays a summary of card information at the top of the page. You can expand the information on this page to view additional card details.

To view the additional card details:

  1. Display the summary of card information for the relevant card by searching and opening the card you want to view transaction details for. All transactions for the selected card are displayed below the summary of card information.

  2. Click Show other details to display the additional card details on the right of the page.

    Figure 6: Display additional Card Details

    You can also display the additional card details in a new browser tab by clicking the Expand Card Details button in the top-right corner of the page.

    The following table describes each of the fields available on the Show Other Details page.

    Field

    Description
    First Name The first name of the cardholder.

    Middle Name

    The middle name of the cardholder.
    Last Name The last name of the cardholder.
    Address 1 The first line of the cardholder's address.
    Address 2 The second line of the cardholder's address.
    Address 3 The third line of the cardholder's address.
    Postcode The post code of the cardholder's address.
    Country The country of residence for the cardholder.
    City The city of the cardholder's address.
    Mobile No The mobile number for the cardholder.
    Email ID The email address for the cardholder.
    Date of Birth The cardholder's date of birth.

    Customer Reference Number

    The unique external customer reference for the card.

    Card Status

    The current status of the card. For more information on the different card statuses, see Appendix B: Card Status Codes.

    Product

    		 The unique ID of the card product linked to the card.

    Scheme

    		 The scheme that the card is associated with. For example, Mastercard or Visa.

    Currency

    The currency of the card.

    Expiry Date

    The expiry date of the card.

    Type

    The form factor of the card. This can be either:

    • Physical

    • Virtual

    Activation Date

    The date the card was activated (if blank, the card is not activated yet).

    Thredd Expiry Date

    The date when the card will cease to work. The status of the card changes to Expired when this date is passed.

    Network Type

    The name of the network associated with the card. For example, Visa, Mastercard, or Discover Global Network (DGN).

    Linked Cards

    The parent and child cards associated with the card. If there are linked cards, click View All to see all Primary and Secondary cards linked to the card.

    Automated Billing Opt Out

    If set to yes, determines that the card has been opted out of having details automatically updated with merchants for recurring payments. This is relevant for services like Visa Account Updater (VAU) and Mastercard Automatic Billing Updater (ABU).

    Card Acceptor List

    The Card Acceptor List associated with the card. You can specify at the merchant ID level where authorisations will be accepted (based on DE42). For example, you can allow a card to be used only in specific shops or locations. This can be applied via the Thredd API.

    Card Disallow List

    The Card Disallow List associated with the card. You can specify at the merchant ID level where authorisations will be declined (based on DE42). For example, you can prevent a card from being used in specific shops or locations. This can be applied via the Thredd API.

    Group MCC

    The Group Merchant Category Codes (MCC) associated with the card. You can allow or disallow card acceptance (auths) based on one or more MCCs. For example, you can disallow gambling sites.

    Group Usage

    The Group Usage code associated with the card. You can apply the specific “Card Usage Rules” which dictate card behaviour such as PAN entry method rules, cardholder verification, regional based rules, and transaction types.

    Click Usage Group to open the details on the settings for the usage group. For more information on the different usage groups, see Appendix I: Usage Group Rules.

    Group Limit

    The unique Group Limit code for the card. The Group Limit displays specific limits assigned to the card, for example, the maximum balance permitted to be held on the card.

    Click Group Limit to open the details on the settings for the limit group. For more information on the Group Limit Settings, see Appendix H: Group Limit Settings.

    Card Linkage

    The Card Linkage group for the card, used to link primary and secondary cards. You can apply card linkage on a shared balance or a separate balance.

    Card Calendar Group

    The Card Calendar Group code for the card. The Card Calendar Group enables you to restrict card acceptance based on specific time and date parameters. For example, a trucking company may restrict card use to weekdays from 9 until 5 to allow employees to pay for fuel. Use case include religious observances or working hours.

    Limited Network

    The Limited Network the card is associated with. A limited network refers to a payment network that restricts the use of a card to a specific group of merchants or locations. This type of network is often used for specialised purposes, such as gift or store cards, where the card can only be used within a particular store or chain of stores. This rule is based on three different data elements:

    • DE42 – Merchant ID

    • DE43 – Address, text field for the merchant ID

    • DE61 – Postcode

    Fees & Amount Configuration

    The fees configuration associated with the card, covering Group Auth, Group Web and Recurring Fee details. See Appendix L: Fee Configuration for more information.

    Group Auth

    The authorisation fee group the card is associated with. The Group Auth field enables you to apply a fee to Authorisations based on the processing code, for example, an authorisation to check a balance.

    Group Web

    The Group Web the card is associated with. The Group Web field enables you to charge a fee for specific web services such as a PIN change request.

    Recurring Fee

    The Recurring Fee Group the card is associated with. Recurring fee determines whether you can apply fees based on rules or actions you set on the card. For example: inactivity fees, and/or dormancy fees. These are configured by Thredd.

    Card FX Group

    The Card FX Group the card is associated with. Card FX sets whether you can upload and manage your own Foreign Exchange rates which can be applied to authorisations and presentments.

    Payment Token Usage Group

    The payment token usage group associated with the card. A Payment Token Usage Group is a configuration setting used in the tokenisation process to manage and define the default parameters for how payment tokens are handled by various token requestors.

    3DS Details

    Displays a list of the 3D Secure authentication methods that the card is enrolled in. This can be either:

    • OTP SMS

    • OTP Email

    • Biometric

    • Out of Band

    • ALL

    • Behavioural Biometric

    • KBA

    You can also display the additional card details in a new browser tab by clicking the Expand Card Details button in the top-right corner of the page.

5.1.1 Live Card Spend Limits

The Live Card Spend Limits section of the Show Other Details page displays the live spend limits for different card activities on the card you're viewing. The limits are based on the Group Limit settings. From this page you can view the limits for a card's cash, load, pay in, pay out, and point of sale (POS) daily limits.

Click Live Card Spend Limits to display the daily limits for the card.

Figure 7: Live Card Spend Limits button

Each limit type is split into three sections:

  • The live daily limits for the card

  • The cumulative limits for the last 31 days for the card

  • The cumulative limits for the last year for the card

Each type shows the spend amount and spend limit, A graphic displays how much of the limit has been used, and the spend frequency (the maximum amount of uses for the process in the time period) of the limit.

Figure 8: Cash Limits in Live Card Spend Limits

Click View Group Limit Settings to open the Group Limit Setting tab. For more information on this tab, see Appendix H: Group Limit Settings.

5.2 Show Card History

Click Show Card History to open the Card History tab.

Figure 9: Show Card History button

From the Card History tab, you can:

  • View activities on the card between set dates, such as authorisations and presentments

  • View the status history of the card between a set of dates, such as when a card was made active, or when a change was made to the card's Card Config Group

To view the activities of the card between certain dates:

  1. Use the date drop-down fields to select a date to filter activities between.

  2. Click Filter to filter the activities for the card between the set dates.

The Card Activities (Tracker) tab contains the following information.

Field

Description

Date and Time

The date and time the activity took place.

Action

The action of the activity. For example, an Authorisation or Presentment.

Note

The note attached to the activity. These can be either manually entered for some activities (such as loading funds onto a card), or generated by the system automatically (such as for activities generated by Thredd API). If the activity is done manually, the note displays the name of the use that performed the action.

If a change is made to the card in Thredd Portal, a suffix of -TP is added to the user that performed the action. For example, John Bloggs-TP.

To view the status history of the card between certain dates:

  1. Click the Card Status History tab.

  2. Use the date drop-down fields to select dates to filter card status changes.

  3. Click Filter to filter the history for the card between the set dates.

The Card Status History tab contains the following information.

Field

Description

Date and Time

The date and time the status was changed.

Action

The details of the status change. This displays the status the card changed from, and the status the card changed to. For example, Card Status changed from CARD_PIN_BLOCKED to ACTIVE.

Note

The note attached to the status change.

5.3 Linked Payment Tokens

A payment token is a Thredd term for a Mastercard Digital Enablement Service (MDES) or Visa Digital Enablement Program (VDEP) token. This token differs from a public token which is used to differentiate between a Thredd public token and a MDES/VDEP token. Thredd use this in our EHI and web service calls to identify a particular Device PAN (DPAN).

For more information, see the Tokenisation Service Guide.

Click Linked Payment Tokens to expand the Linked Payment Tokens section. This displays the payment tokens that are linked to the card.

Figure 10: Linked Payment Tokens page

The following table describes the fields in the Payment Tokens table.

Field

Description

Payment Token ID

Unique identifier used to update the payment token using Thredd's web services.

Token Type

Describes the type of payment token. This is one of the following types:

  • Browser accessible Wallet

  • Contactless device PAN

  • Card on File PAN

  • Cloud-based payments PAN

  • Real PAN

  • Secure Element PAN

  • Unknown (other PAN mapping not otherwise defined)

  • Virtual PAN

Wallet Provider

The wallet the payment token was requested by (only applicable for device tokens).

Merchant Name

The name of the merchant that requested a payment token (only applicable for merchant tokens).

Device Name

The name of the device that requested a payment token (only applicable for device tokens).

Thredd Status

The internal status for the payment token, which determines how Thredd authorises transactions.

Network Status

The status of the token held at the network. This can change independently from the Thredd Status if the payment token is amended by a merchant or wallet.

Date Linked

Date and time when tokenised.

Expiration Date

The expiry date of the token.

5.3.1 Payment Token Details

The Payment Token Details tab enables you to see more details on a payment token, as well as change the Thredd payment token status.

Click on a payment token to display the Payment Token Details tab.

Figure 11: Linked Payment Tokens Details page

For more information on the fields in the Payment Token Details tab, see Appendix J: Payment Token Details.

To change the status of a payment token:

  1. Click Change Payment Token Status.


    A window displays.

  2. Review the details of the payment token and click Next.

  3. Select a new status from the Change Payment Token Status To field and click Next.

  4. Review the changes, enter any notes about the change in the Notes field, and click Save to save the changes.

5.4 View Card Transactions

When you first open the Card Details page, Thredd Portal: Cards and Transaction Management displays a summary of card information at the top of the page. All related transactions are also displayed in the lower part of the page.

To view the card transactions for the selected card:

  1. Display the summary of card information for the relevant card by searching and opening the card you want to view transaction details for. All transactions for the selected card are displayed below the summary of card information.

    Figure 12: Card Transactions displayed for a specific card

    The following table describes each of the fields available on the Card Transactions page.

    Field

    Description
    Transaction ID The unique transaction identifier.
    Date and Time Date and time the transaction occurred. The time relates to Thredd time. For example, if the servers for processing Thredd transactions are in the GMT timezone, the Thredd time is GMT .

    Location

    Location provided by the merchant.

    Transaction Type Type of transaction, such as authorisation, balance adjustment, presentment, and auth reversal.
    Transaction Status Transaction status, such as Settled, Accepted or Declined. See Appendix K: Transaction Status Codes for more information.
    Process

    Transaction processing code, for example, recurring fees, balance inquiry.
    Transaction Currency Currency in which the transaction took place. This might differ from the billing currency if the transaction happened when the cardholder was using the card in another country.

    Transaction Amount

    Transaction amount (in the transaction currency).

    Billing Currency

    The currency of the billing amount.

    Billing Amount

    Billing amount for the transaction.

    Available Balance

    Available balance after the transaction, which the cardholder can spend.

    Fixed Fee

    Fixed fees levied against the transaction, consisting of a specific figure.

    Rate Fee

    Rate-based fee. Fees levied against the transaction based on a percentage charge.

    FX Padding

    Financial padding (to allow for currency fluctuations).

    MCC Padding

    Financial padding applied to transactions in specific MCCs (typically used for hotels and rental cars where cardholders might be charged a little more than authorised for).

    Note

    Note for the transaction. Notes are taken from transaction details appended during each type of transaction. For example, for declined transactions, there could be text explaining why the transaction was declined.

    Payment Method

    The method of payment for the transaction.

    Product Name

    The name of the product.

5.5 Filter Card Transactions

You can filter the transactions displayed for a specific card using a range of different filters.

  1. Display the summary of card information for the relevant card by searching and opening the card you want to view transaction details for. All transactions for the selected card are displayed below the summary of card information.

  2. Choose the required filters, for example the Accepted status.

    Figure 13: Card Search Result Filter - Accepted Status

  3. Select Filter to display the new results.

5.6 Customising Transactions Columns

You can customise the Transaction columns displayed in the Card Details page by re-ordering them, adding new columns or removing unwanted columns.

  1. Click Columns in the Search Results pane.

    Figure 14: Select to customise columns

    This displays the Columns Customisation.

    Figure 15: Columns Customisation

  2. Click X in the top-right to close the Columns Customisation

5.7 Export Transactions

You can export the currently filtered transactions from Thredd Portal to a csv file. Click Export to start the process of exporting.

Figure 16: Export Transactions button

Your browser will notify you of a download of a csv file. Either save or download the file to your local machine.

Exporting transactions to a CSV file is available for all Thredd Portal roles except Read-Only.

5.8 Currency Wallets

The Currency Wallets section of the Card Details enables you to view multiple wallets of different currencies associated with the card you're viewing. This is sometimes referred to as Multi FX. A card with Multi FX is designed to facilitate payment and settlement transactions across various currencies.

To search for Multi FX transactions, set the Card Type to MFX when performing an advanced transaction search. For more information, see Searching for a Transaction.

Figure 17: Currency Wallets section of the Card Details page

For physical Multi FX cards, a maximum of four wallet accounts can be linked (not including the primary wallet). Each Multi FX wallet for the card has a unique wallet token, enabling you to make card and transaction searches against the wallet.

By default, your primary currency wallet displays. With the primary wallet, you can use all the card actions available for a card. To select another wallet, click the wallet you want to view in the Currency Wallets section.

By default, your primary wallet and two Multi FX wallets display on the Card Details page. To view all currency wallets associated with the card, click Show All Wallets.

5.9 Next Steps

For information about managing cards and transactions, such adjusting a balance or activating a card, read Performing Card Actions. For more information about the setting up of fees, see the Thredd Fees Guide.