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COST INDICATOR

Cost Indicator: Interchange Structure & Durbin Regulation Data

Understanding and predicting interchange fees and regulatory caps—such as the US Durbin Amendment—is critical for payment gateways, processors, and merchants optimizing transaction costs. The COST parameter provides deep structural JSON data mapping out fixed amounts, ad-valorem percentages, and regulatory qualifiers for Visa and Mastercard transactions.

Supported Values (Visa & Mastercard): [blank] or detailed JSON structures containing cap type names, fixed amounts, ad-valorem rates, and currency codes (e.g., US Durbin Regulation rules).
Integration Purpose: Enables advanced smart routing and cost-plus fee calculation models by identifying regulated debit and interchange pricing caps dynamically.
Custom Database Build: Available as a dedicated extra parameter structure in your custom BIN database package.

How It Works & Example Structure

See how the Cost indicator and Durbin regulation structures are represented in your database exports:

Example (US Durbin Regulation Structure):
[{"CAP_TYPE_QUALIFIER_LOWER":0, "CAP_TYPE_QUALIFIER_UPPER":999999999999, "CAP_TYPE_NAME":"US DURBIN REGULATION DEBIT VISA", "CAP_REGION_SHORTNAME":"DOM", "CAP_TYPE_QUALIFIER_TEXT":"US DURBIN REGULATION DEBIT VISA", "CAP_TYPE_QUALIFIER_CURRENCY":"USD", "CAP_FIXED_AMOUNT":0.21, "CAP_ADVALOREM_AMOUNT":0.0005}]
Example (Standard / Unregulated Card):
[blank] (Standard interchange fee schedules apply without statutory caps).

Why Cost & Interchange Data Matters for Your Clients

  • Payment Gateways & PSPs: Powers cost-plus billing accuracy and helps construct intelligent routing engines to minimize acquiring overhead.
  • High-Volume Merchants: Provides granular visibility into regulated interchange structures (like the 21-cent + 0.05% Durbin cap) to verify processor billing statements.
  • Financial Transparency: Accurately separates regulated debit transactions from commercial credit cards before authorization requests are dispatched.

Database Support and Availability

Support for Cost and Durbin regulation mapping is available as an optional add-on for custom database builds.

Feature Capability
Parameter Name COST (Visa & Mastercard)
Possible Values [blank] or JSON objects containing fixed amounts, ad-valorem rates, and cap identifiers.
Integration Format Additional structured column in CSV/JSON custom database exports.

This data is available at additional cost of $2900 (one-time).

For technical inquiries regarding Cost and Interchange data mapping:

Contact Engineering Support