Configure card plans (Merchant Card Plans)

Merchant card plans refer to those card plans, configured at the Association level, that a merchant can accept for use in transactions. The Merchant Card Plans page allows you to add new merchant card plans to a merchant account, copy existing card plans to create new card plans, and modify existing card plans for merchant accounts. You can add, modify, and delete card plans one at a time or in groups.

In addition, you can assign variable rate tables (VRTs) or create merchant-level discount rate tables (DRTs) for current or future implementation and assign them to the card plans that you configure.

Note: You can configure future effective DRTs only after you have added a card plan. The selected method for the card plan must be set to Fixed in order to configure a future effective DRT.

To configure card plans for a merchant:

1. From the Merchant Product Setup page, click any of the Card Plan Details buttons.

   -or-

   Search for the merchant to display its details on the Merchant Summary page, and then:

   1. In the Merchant Quick Links panel, click Merchant Card Plans.

      

      -or-

      From the Merchant menu, click Card Plans.

      

   The Merchant Card Plans page opens.

   

2. If the merchant is already boarded, click Edit.
3. If necessary, click Expand to display the Add/Copy Card Plans panel.

   

4. In the Add/Copy Card Plans panel, from the Available Card Plans list, select the card plan or plans you want to set up for the merchant.

   Tip: Use Shift+click to select adjacent card plans, or use Ctrl+click to select non-adjacent card plans in the list.

   

5. If you want to copy details from an existing card plan to the one(s) you are adding, and set certain default values for it/them, in the Enter defaults (Optional) fields, enter any default information you want to apply, as follows:
   • Copy Card Plan: From the drop-down list, you can select one of the existing card plans already set up for the merchant to copy its details to your new card plan(s).
   • Table Number: Enter or edit a default Table Number to apply to your new card plan(s).
   • Discount Percent: The discount percentage for the card plan(s).
   • Discount Per Item: The per item rate that is used to calculate the discount for the card plan(s).
6. Click the Add button.

   The card plan or plans are added and appear in the card plan table, where you can edit their details in the row fields as follows:

   Current Rate Table

   • Date Signed: This field defaults to the current date.
   • Table Number: The number that identifies the ACH table associated with the ACH file header for the card plan. Each ACH table corresponds to a specific ACH file header. The entry in this field will determine which of the other card detail fields are editable. This field is mandatory.
   • Discount Percent: The discount percentage calculated against the dollar amount volume of transactions processed for the card plan. This field is only editable if the Table Number entered above is 9999.

     Note: Bank level rate information will appear in this field.

   • Discount Per Item: The discount calculated against the number of transactions processed for the card plan. This field is only editable if the Table Number entered above is 9999.

     Note: Bank level rate information will appear in this field.
     
     For per item only tables, the entry in the Discount From field on the Association- or Bank-Summary New Account Defaults page must be 0.000.

   • Minimum: The minimum discount due for the card plan. This is a dollar amount entry that is only editable if the Table Number entered above is 9999. Entry in this field is optional.

     Note: It is not recommended to use this field in conjunction with Overall Minimum on Discount Charge Record.

   • Rebate Percent: The entry in this field is for reporting purposes only; it does not generate movement of funds. This field is only editable if the Table Number entered above is 9999. Entry in this field is optional.
   • Rebate Per Item: The entry in this field is for reporting purposes only; it does not generate movement of funds. This is a dollar amount entry that is only editable if the Table Number entered above is 9999. Entry in this field is optional.

   Card Plan Info

   • Method: From the drop-down list, select the discount method for the card plan. This field defaults from the association or bank level. Entry in this field is optional. The options available are:
     • F - Fixed
     • V - Variable
     • A - Var Assoc Volume
     • P - Var Plan Volume
   • Type: From the drop-down list, select the option to indicate how the discount will be calculated for the card plan. This field defaults from the association or bank level. Entry in this field is optional. The options available are:
     • G - Gross
     • N - Net
   • ACH Attribute: From the drop-down list, select the ACH Attribute for the card plan. This field defaults from the association or bank level. Entry in this field is optional. The options available are:
     • C - Combine
     • D - Deposit
     • N - No ACH
     • S - Separate
   • Auth Only: From the drop-down list, select one of the following authorization-only options for this card plan. This field defaults from the association or bank level. Entry in this field is optional.
     • N - No
     • C - Chargebacks
     • Y - Yes

       Note: This field should be set to N - No. Other options will cause reject activity.

   • IRS 1099-K: If available, select this check box if you do not want the card plan volume reported as part of the 6050W mandate.
   • Roll Up: Select this check box to "roll up" Visa, Visa Debit and Visa Business, or MasterCard, MasterCard Debit and MasterCard Business card information for reporting purposes.

     Note: This field is only available when working Visa and MasterCard as separate card types.

   • Floor Limit: This field is not used at this time.
   • Large Ticket Min: This field is not used at this time.

   Re-Price Data

   • Effective Date (mm/yyyy): The date the card plan's re-price data becomes effective.
   • Discount Percent: The discount percentage calculated against the dollar amount volume of transactions processed for the card plan's re-price data. This field is only editable if the Table Number entered above is 9999.

     Note: Bank level rate information will appear in this field.

   • Discount Per Item: The discount calculated against the number of transactions processed for the card plan's re-price data. This field is only editable if the Table Number entered above is 9999.

     Note: Bank level rate information will appear in this field.
     
     For per item only tables, the entry in the Discount From field on the Association- or Bank-Summary New Account Defaults page must be 0.000.

   • Minimum: The minimum discount due for the card plan's re-price data. This is a dollar amount entry that is only editable if the Table Number entered above is 9999. Entry in this field is optional.

     Note: It is not recommended to use this field in conjunction with Overall Minimum on Discount Charge Record.

   • Rebate Percent: The entry in this field is for reporting purposes only; it does not generate movement of funds. This field is only editable if the Table Number entered above is 9999. Entry in this field is optional.
   • Rebate Per Item: The entry in this field is for reporting purposes only; it does not generate movement of funds. This is a dollar amount entry that is only editable if the Table Number entered above is 9999. Entry in this field is optional.

   Re-Point Data

   • Effective Date (mm/yyyy): The date the card plan's re-point data becomes effective.
   • Table Number: The number that identifies the ACH table associated with the ACH file header for the card plan's re-pint data.
7. Click Save, and then Validate or Board as required.