# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com # Interchange qualification report This report provides a summary of different Bankcard Interchange Rates which the transactions have qualified for in a given period, and associated interchange details for each merchant order number. **Interchange qualification report details** | Report type | Supported entity types | Supported file formats | | --- | --- | --- | | Submission details | - PE - Processing Entity - TD - Transaction Division - BU - Business Unit - FTI - Fund Transfer Instruction - CO - Company - RG - Reporting Group - PI - Platform Identifier | - Comma Seperated Values (CSV) - Gzip or GNU Zip (GZ) - Portable Document Format (PDF) - MS Excel Workbook (.xlsx) | ## Use cases - View interchange qualification and downgrades at a transaction level. - Research if the transactions are qualifying at the best possible interchange rates. ## Granularity - Summary section: Combination of Presentment Currency Code, Settlement Currency Code, Payment Method Code, Interchange Qualification Code, Interchange Qualification Text, Fee Rate, Unit Fee Amount. - Details section: Merchant Order Number ## Fields The following table shows the summary section field details. **Summary section field details** | Field name | Description | | --- | --- | | Record Type | The section of the report. For the summary section, the record type value is Interchange Qualification Summary. | | Presentment Currency Code | The three-character abbreviation for the currency in which the cardholder transaction occurred. This field is suppressed unless cross-currency is selected. | | Settlement Currency Code | The three-character abbreviation for the currency in which the merchant is being funded. | | Payment Method Code | The code that identifies the method of payment (MOP) for the transaction. | | Interchange Qualification Code | The code that identifies the rate at which J.P. Morgan qualified the transaction. | | Interchange Qualification Text | The description of the reason the transaction qualified for a specific Interchange Qualification. | | Fee Rate | The percentage rate fee applied to the face value of this transaction. For this field, a positive amount indicates a debit % rate to the merchant. A negative amount indicates a credit % rate. | | Unit Fee Amount | The fee per item as assessed by the card associations. For this field, a positive amount indicates a debit unit fee to the merchant. A negative amount indicates a credit unit fee. | | Sales Count | The count of Merchant Order Number grouped by Presentment Currency Code, Settlement Currency Code, Payment Method Code, Interchange Qualification Code, Interchange Qualification Text, Fee Rate, Unit Fee Amount. | | Count | The percentage of Sales Count grouped by Payment Method Code & Settlement Currency Code. | | Sales Amount | The sum of settlement amount grouped by Presentment Currency Code, Settlement Currency Code, Payment Method Code, Interchange Qualification Code, Interchange Qualification Text, Fee Rate, Unit Fee Amount. | | Amount | The percentage of Sales Amount grouped by Payment Method Code & Settlement Currency Code. | | Entity Name | The name associated with the Commerce platform assigned entity identifier. | | Transaction Division External Identifier | The identifier of the external transaction division. | | Transaction Processing Entity Identifier | The identifier of the transaction processing entity. | | Business Unit Identifier | The identifier of the business unit associated with the record. | | Business Unit Name | The name associated with the Commerce platform assigned business unit number. | | Company External Identifier | The identifier of the external company. | | Company Name | The name associated with the Commerce platform assigned CO number. | The following table shows the details section field details. **Details section field details** | Field name | Description | | --- | --- | | Record Type | The section of the report. For the details section, record type value is Interchange Qualification Details. | | Presentment Currency Code | The three-character abbreviation for the currency in which the cardholder transaction occurred. This field is suppressed unless cross-currency is selected. | | Settlement Currency Code | The three-character abbreviation for the currency in which the merchant is being funded. | | Payment Method Code | The code that identifies the method of payment (MOP) for the transaction. | | Merchant Order Number | The order number submitted by the merchant with the original sale. | | Interchange Qualification Code | The code that identifies the rate at which J.P. Morgan qualified the transaction. | | Downgrade Reason Code | The value representing the reason the transaction qualified for a specific interchange qualification. | | Downgrade Reason Text | The description of the value representing the reason the transaction qualified for a specific interchange qualification. | | Account Number | The cardholder's account number. | | Deposit Date | The day when the deposit transaction was received in UTC time zone. | | Amount | The max of settlement amount grouped by rest of the attributes in the detail section. | | Acquirer Reference Number | The acquirer's reference number assigned to the transaction at the time of the sale/refund. | | Card Usage Type | Indicates if the transaction is a signature debit transaction, PIN debit transaction, or a credit card transaction. | | Platform Identifier | The identifier of the platform that is used to facilitate the transaction request. | | Platform Name | The name of the platform used to facilitate the transaction request. | | Entity Identifier | The associated CO, BU, TD, or PE identification number. | | Entity Type Code | The level at which the reported event occurred. Valid values are: - BU - Business Unit - CO - Company - TD - Transaction Division - PE - Processing Entity | | Transaction Division External Identifier | The identifier of external transaction division. | | Transaction Processing Entity Identifier | The identifier of the transaction processing entity. | | Entity Name | The name associated with the Commerce platform assigned Entity Identifier. | | Business Unit Identifier | The identifier of the business unit associated with the record. | | Business Unit Name | The name associated with the Commerce platform assigned business unit number. | | Company External Identifier | The identifier of the external company. | | Company Name | The name associated with the Commerce platform assigned CO number. | ## Sample report configurations The following samples help you get an idea of how to configure interchange reports. ### CO/BU/TD/PE The following request code block shows how to configure an interchange report for `entityType` = CO/BU/TD/PE. ```json { "entityType": "CO", "entityIds": [ "1234567" ], "reportSections": [ { "sectionTitle": "Interchange Qualification Summary", "sectionReportTypeName": "Submission Details", "sectionReportTypeId": "3003", "sectionSelectedFields": [ { "alias": "Record Type", "constantValueText": "Interchange Qualification Summary" }, { "reportAttributeName": "Entity Identifier", }, { "reportAttributeName": "Entity Type Code", }, { "reportAttributeName": "Presentment Currency Code" }, { "reportAttributeName": "Settlement Currency Code" }, { "reportAttributeName": "Payment Method Code" }, { "reportAttributeName": "Interchange Qualification Code" }, { "reportAttributeName": "Interchange Qualification Text" }, { "reportAttributeName": "Fee Rate" }, { "reportAttributeName": "Unit Fee Amount" }, { "alias": "Sales Count", "reportAttributeName": "Merchant Order Number", "aggregateOperationText": "count" }, { "alias": "Count %", "customCalculationText": "% of", "customCalculationOn": "Sales Count", "groupBy": [ "Payment Method Code", "Settlement Currency Code" ] }, { "alias": "Sales Amount", "reportAttributeName": "Settlement Amount", "aggregateOperationText": "sum" }, { "alias": "Amount %", "customCalculationText": "% of", "customCalculationOn": "Sales Amount", "groupBy": [ "Payment Method Code", "Settlement Currency Code" ] } ], "sectionFilterAttributeList": [ { "reportAttributeName": "Conveyed Settled Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Deposit Category Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Fee Text", "filterAttributeCode": "=\"Interchange\"" }, { "reportAttributeName": "Payment Method Code", "filterAttributeCode": "IN(\"MC\",\"VI\",\"DI\",\"MD\",\"SW\",\"IM\",\"DD\",\"VR\",\"MR\",\"AX\",\"JC\")" } ], "sectionSortOrderList": [ { "reportAttributeName": "Payment Method Code", "sortOrderCode": "desc" }, { "reportAttributeName": "Interchange Qualification Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Presentment Currency Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Settlement Currency Code", "sortOrderCode": "asc" } ] }, { "sectionTitle": "Interchange Qualification Details", "sectionReportTypeName": "Submission Details", "sectionReportTypeId": "3003", "sectionSelectedFields": [ { "alias": "Record Type", "constantValueText": "Interchange Qualification Details" }, { "reportAttributeName": "Entity Identifier" }, { "reportAttributeName": "Entity Type Code" }, { "reportAttributeName": "Presentment Currency Code" }, { "reportAttributeName": "Settlement Currency Code" }, { "reportAttributeName": "Payment Method Code" }, { "reportAttributeName": "Merchant Order Number" }, { "reportAttributeName": "Interchange Qualification Code" }, { "reportAttributeName": "Downgrade Reason Code" }, { "reportAttributeName": "Downgrade Reason Text" }, { "reportAttributeName": "Account Number" }, { "reportAttributeName": "Deposit Date" }, { "alias": "Amount", "reportAttributeName": "Settlement Amount", "aggregateOperationText": "max" }, { "reportAttributeName": "Acquirer Reference Number" }, { "reportAttributeName": "Card Usage Type" } ], "sectionFilterAttributeList": [ { "reportAttributeName": "Conveyed Settled Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Deposit Category Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Fee Text", "filterAttributeCode": "=\"Interchange\"" }, { "reportAttributeName": "Payment Method Code", "filterAttributeCode": "IN(\"MC\",\"VI\",\"DI\",\"MD\",\"SW\",\"IM\",\"DD\",\"VR\",\"MR\",\"AX\",\"JC\")" } ], "sectionSortOrderList": [ { "reportAttributeName": "Entity Identifier", "sortOrderCode": "asc" }, { "reportAttributeName": "Payment Method Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Interchange Qualification Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Presentment Currency Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Settlement Currency Code", "sortOrderCode": "asc" } ] } ], "fileDelimiter": ",", "reportConfigurationName": "Interchange Qualification Report", "reportFileName": "Interchange Report....", "reportHeader": "EntityId=,ReportTypeName=,Frequency=,FromDate=,ToDate=,GenerationDate=,GenerationTime=", "fileHeader": "BEGIN,EntityId=,Frequency=", "fileTrailer": "END,EntityId=,Frequency=", "csvColumnNameDisplayIndicator": true, "reportConfigStatus": "active", "reportName": "Interchange Qualification Report", "frequencyConfig": { "scheduleFrequency": "adhoc", "reportingPeriodStartTimestamp": "2026-03-24 02:00:00", "reportingPeriodEndTimestamp": "2026-03-25 01:59:59" } } ``` ### PI The following request code block shows how to configure an interchange report for `entityType` = PI. ```json { "entityType": "PI", "entityIds": [ "6019581085" ], "reportSections": [ { "sectionTitle": "Interchange Qualification Summary", "sectionReportTypeName": "Submission Details", "sectionReportTypeId": "3003", "sectionSelectedFields": [ { "alias": "Record Type", "constantValueText": "Interchange Qualification Summary" }, { "reportAttributeName": "Presentment Currency Code" }, { "reportAttributeName": "Settlement Currency Code" }, { "reportAttributeName": "Payment Method Code" }, { "reportAttributeName": "Interchange Qualification Code" }, { "reportAttributeName": "Interchange Qualification Text" }, { "reportAttributeName": "Fee Rate" }, { "reportAttributeName": "Unit Fee Amount" }, { "alias": "Sales Count", "reportAttributeName": "Merchant Order Number", "aggregateOperationText": "count" }, { "alias": "Count %", "customCalculationText": "% of", "customCalculationOn": "Sales Count", "groupBy": [ "Payment Method Code", "Settlement Currency Code" ] }, { "alias": "Sales Amount", "reportAttributeName": "Settlement Amount", "aggregateOperationText": "sum" }, { "alias": "Amount %", "customCalculationText": "% of", "customCalculationOn": "Sales Amount", "groupBy": [ "Payment Method Code", "Settlement Currency Code" ] } ], "sectionFilterAttributeList": [ { "reportAttributeName": "Conveyed Settled Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Deposit Category Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Fee Text", "filterAttributeCode": "=\"Interchange\"" }, { "reportAttributeName": "Payment Method Code", "filterAttributeCode": "IN(\"MC\",\"VI\",\"DI\",\"MD\",\"SW\",\"IM\",\"DD\",\"VR\",\"MR\",\"AX\",\"JC\")" } ], "sectionSortOrderList": [ { "reportAttributeName": "Payment Method Code", "sortOrderCode": "desc" }, { "reportAttributeName": "Interchange Qualification Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Presentment Currency Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Settlement Currency Code", "sortOrderCode": "asc" } ] }, { "sectionTitle": "Interchange Qualification Details", "sectionReportTypeName": "Submission Details", "sectionReportTypeId": "3003", "sectionSelectedFields": [ { "alias": "Record Type", "constantValueText": "Interchange Qualification Details" }, { "reportAttributeName": "Transaction Processing Entity Identifier" }, { "reportAttributeName": "Presentment Currency Code" }, { "reportAttributeName": "Settlement Currency Code" }, { "reportAttributeName": "Payment Method Code" }, { "reportAttributeName": "Merchant Order Number" }, { "reportAttributeName": "Interchange Qualification Code" }, { "reportAttributeName": "Downgrade Reason Code" }, { "reportAttributeName": "Downgrade Reason Text" }, { "reportAttributeName": "Account Number" }, { "reportAttributeName": "Deposit Date" }, { "reportAttributeName": "Platform Identifier" }, { "reportAttributeName": "Platform Name" }, { "alias": "Amount", "reportAttributeName": "Settlement Amount", "aggregateOperationText": "max" }, { "reportAttributeName": "Acquirer Reference Number" }, { "reportAttributeName": "Card Usage Type" } ], "sectionFilterAttributeList": [ { "reportAttributeName": "Conveyed Settled Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Deposit Category Code", "filterAttributeCode": "=\"S\"" }, { "reportAttributeName": "Fee Text", "filterAttributeCode": "=\"Interchange\"" }, { "reportAttributeName": "Payment Method Code", "filterAttributeCode": "IN(\"MC\",\"VI\",\"DI\",\"MD\",\"SW\",\"IM\",\"DD\",\"VR\",\"MR\",\"AX\",\"JC\")" } ], "sectionSortOrderList": [ { "reportAttributeName": "Transaction Processing Entity Identifier", "sortOrderCode": "asc" }, { "reportAttributeName": "Payment Method Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Interchange Qualification Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Presentment Currency Code", "sortOrderCode": "asc" }, { "reportAttributeName": "Settlement Currency Code", "sortOrderCode": "asc" } ] } ], "fileDelimiter": ",", "reportConfigurationName": "Interchange Qualification Report", "reportFileName": "Interchange Report....", "reportHeader": "EntityId=,ReportTypeName=,Frequency=,FromDate=,ToDate=,GenerationDate=,GenerationTime=", "fileHeader": "BEGIN,EntityId=,Frequency=", "fileTrailer": "END,EntityId=,Frequency=", "csvColumnNameDisplayIndicator": true, "reportConfigStatus": "active", "reportName": "Interchange Qualification Report", "frequencyConfig": { "scheduleFrequency": "adhoc", "reportingPeriodStartTimestamp": "2024-05-06 11:30:00", "reportingPeriodEndTimestamp": "2024-05-07 02:00:00" } } ``` ## Download sample report Download the sample [Interchange qualification report](https://raw.githubusercontent.com/jpmorgan-payments/online-payments/refs/heads/main/docs/reporting/Interchange%20Qualification%20Preset%20Report.csv). ## Related [Scheduled and adhoc report configurations](/docs/commerce/optimization-protection/capabilities/reporting/report-configurations/scheduled-adhoc)