Amadis
Multi-Acquirer
- Frédérick Caron (Unlicensed)
Multi-Acquirer is a mode of operation that is quite frequent in some countries/scenarios.
It is done when the totals are accumulated under a different contract/bank and are using a separate set of configurations.
For the sake of explaining, we are going to make a configuration with 3 acquirers :
Amex.
Acquirer Number (0xDF1B) : 01
Acquirer Identifier (0x9F01) : 0000001
Merchant Identifier (0x9F16) : 4D65726368414D4558303030303031 (MerchAMEX000001)
Terminal Identification (0x9F1C) : 416D657841435131 (AmexACQ1)
Cheap Bank for low value (under 25 euros)
Acquirer Number (0xDF1B) : 02
Acquirer Identifier (0x9F01) : 0000002
Merchant Identifier (0x9F16) : 4D6572636843686561703030303031 (MerchCheap00001)
Terminal Identification (0x9F1C) : 4368656170414351 (CheapACQ)
Great Bank for high value (over 25 euros)
Acquirer Number (0xDF1B) : 03
Acquirer Identifier (0x9F01) : 0000003
Merchant Identifier (0x9F16) : 4D6572636847726561743030303031 (MerchGreat00001)
Terminal Identification (0x9F1C) : 4772656174414351 (GreatACQ)
They are all going to point to the same host (ID : ACQUIRER001)
AcquirerParameters
The first things we must define are the AcquirerParameters in the ACU.
Amex
<AcqrrPrtcolParams>
<ActnTp>UPDT</ActnTp>
<AcqrrId>
<Id>01</Id>
<ShrtNm>AMEX</ShrtNm>
</AcqrrId>
<Vrsn>2022-02-25 21:01:47</Vrsn>
<ApplId>Amadis.Arkos</ApplId>
<Hst>
<HstId>ACQUIRER001</HstId>
<MsgToSnd>FAUQ</MsgToSnd>
<MsgToSnd>AUTQ</MsgToSnd>
<MsgToSnd>CCAQ</MsgToSnd>
<MsgToSnd>RCLQ</MsgToSnd>
<MsgToSnd>CMPV</MsgToSnd>
<MsgToSnd>CCAV</MsgToSnd>
<MsgToSnd>FRVA</MsgToSnd>
<MsgToSnd>FCMV</MsgToSnd>
<MsgToSnd>RVRA</MsgToSnd>
<MsgToSnd>DGNP</MsgToSnd>
<MsgToSnd>DCRR</MsgToSnd>
<MsgToSnd>DCCQ</MsgToSnd>
</Hst>
<OnLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OnLineTx>
<OffLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OffLineTx>
<RcncltnXchg>
<XchgPlcy>ONDM</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
</RcncltnXchg>
<MsgItm>
<ItmId>Hdr/InitgPty/Id</ItmId>
<Cond>CFVL</Cond>
<Val>None</Val>
</MsgItm>
<PrtctCardData>False</PrtctCardData>
<MndtrySctyTrlr>False</MndtrySctyTrlr>
</AcqrrPrtcolParams>
Cheap Bank of the World
<AcqrrPrtcolParams>
<ActnTp>UPDT</ActnTp>
<AcqrrId>
<Id>02</Id>
<ShrtNm>Cheap Bank of the World</ShrtNm>
</AcqrrId>
<Vrsn>2022-02-25 21:01:47</Vrsn>
<ApplId>Amadis.Arkos</ApplId>
<Hst>
<HstId>ACQUIRER001</HstId>
<MsgToSnd>FAUQ</MsgToSnd>
<MsgToSnd>AUTQ</MsgToSnd>
<MsgToSnd>CCAQ</MsgToSnd>
<MsgToSnd>RCLQ</MsgToSnd>
<MsgToSnd>CMPV</MsgToSnd>
<MsgToSnd>CCAV</MsgToSnd>
<MsgToSnd>FRVA</MsgToSnd>
<MsgToSnd>FCMV</MsgToSnd>
<MsgToSnd>RVRA</MsgToSnd>
<MsgToSnd>DGNP</MsgToSnd>
<MsgToSnd>DCRR</MsgToSnd>
<MsgToSnd>DCCQ</MsgToSnd>
</Hst>
<OnLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OnLineTx>
<OffLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OffLineTx>
<RcncltnXchg>
<XchgPlcy>ONDM</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
</RcncltnXchg>
<MsgItm>
<ItmId>Hdr/InitgPty/Id</ItmId>
<Cond>CFVL</Cond>
<Val>None</Val>
</MsgItm>
<PrtctCardData>False</PrtctCardData>
<MndtrySctyTrlr>False</MndtrySctyTrlr>
</AcqrrPrtcolParams>
Great Bank of the World
<AcqrrPrtcolParams>
<ActnTp>UPDT</ActnTp>
<AcqrrId>
<Id>03</Id>
<ShrtNm>Great Bank of the World</ShrtNm>
</AcqrrId>
<Vrsn>2022-02-25 21:01:47</Vrsn>
<ApplId>Amadis.Arkos</ApplId>
<Hst>
<HstId>ACQUIRER001</HstId>
<MsgToSnd>FAUQ</MsgToSnd>
<MsgToSnd>AUTQ</MsgToSnd>
<MsgToSnd>CCAQ</MsgToSnd>
<MsgToSnd>RCLQ</MsgToSnd>
<MsgToSnd>CMPV</MsgToSnd>
<MsgToSnd>CCAV</MsgToSnd>
<MsgToSnd>FRVA</MsgToSnd>
<MsgToSnd>FCMV</MsgToSnd>
<MsgToSnd>RVRA</MsgToSnd>
<MsgToSnd>DGNP</MsgToSnd>
<MsgToSnd>DCRR</MsgToSnd>
<MsgToSnd>DCCQ</MsgToSnd>
</Hst>
<OnLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OnLineTx>
<OffLineTx>
<FinCaptr>COMP</FinCaptr>
<CmpltnXchg>
<XchgPlcy>IMMD</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
<XchgFaild>True</XchgFaild>
<XchgDclnd>True</XchgDclnd>
</CmpltnXchg>
</OffLineTx>
<RcncltnXchg>
<XchgPlcy>ONDM</XchgPlcy>
<ReTry>
<Dely>200</Dely>
</ReTry>
</RcncltnXchg>
<MsgItm>
<ItmId>Hdr/InitgPty/Id</ItmId>
<Cond>CFVL</Cond>
<Val>None</Val>
</MsgItm>
<PrtctCardData>False</PrtctCardData>
<MndtrySctyTrlr>False</MndtrySctyTrlr>
</AcqrrPrtcolParams>
Application Parameters
After that, we must define the application parameters to be used by the nexoFAST application.
Template ED (Acquirer Parameter Table)
Each acquirer must have an entry in the ED template
Amex
Cheap Bank of the World
Great Bank of the World
Template E2 (Application Profile Selection Table)
For the low-value vs high-value acquirers, we must configure correctly the E2 profiles to point to the correct profiles with the right acquirer parameters
For each AID-Technology combination, we will have two entries as follow :
Note that for this example, it is crucial to have the right order, because entries without maximum amount also match low value. Therefore, low-value entry is always before high-value.
Amex Entry does not need to have low-value vs high-value because it points to the same acquirer.
Template E6 (Application Profile Table)
We are going to make one application profile for each product and put the low-value acquirer information on it.
We are going to make an additional application profile for each product, reference the low-value, and only overload the Acquirer Number, Acquirer Identifier, Merchant Identifier, and Terminal Identifier.