Optimization Protection

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 Separated 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

Summary

The following table shows the summary section field details. Fields labeled (O) are optional and can be added to preset reports as needed.

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 (O)	The name associated with the Commerce platform assigned entity identifier.
Transaction Division External Identifier (O)	The identifier of the external transaction division.
Transaction Processing Entity Identifier (O)	The identifier of the transaction processing entity.
Business Unit Identifier (O)	The identifier of the business unit associated with the record.
Business Unit Name (O)	The name associated with the Commerce platform assigned business unit number.
Company External Identifier (O)	The identifier of the external company.
Company Name (O)	The name associated with the Commerce platform assigned CO number.
Downgrade Reason Code (O)	The value representing the reason the transaction qualified for a specific interchange qualification.
Downgrade Reason Text (O)	The description of the value representing the reason the transaction qualified for a specific interchange qualification.

Details

The following table shows the details section field details. Fields labeled (O) are optional and can be added to preset reports as needed.

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 (O)	The associated CO, BU, TD, or PE identification number.
Entity Type Code (O)	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 (O)	The identifier of external transaction division.
Transaction Processing Entity Identifier (O)	The identifier of the transaction processing entity.
Entity Name (O)	The name associated with the Commerce platform assigned Entity Identifier.
Business Unit Identifier (O)	The identifier of the business unit associated with the record.
Business Unit Name (O)	The name associated with the Commerce platform assigned business unit number.
Company External Identifier (O)	The identifier of the external company.
Company Name (O)	The name associated with the Commerce platform assigned CO number.
Merchant Presenter Identifier (O)	The merchant's presenter ID 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.<Processing Entity ID>.<frequency>.<From Date YYYY-MM-DD>.<To Date YYYY-MM-DD>",
    "reportHeader": "EntityId=<Processing Entity ID>,ReportTypeName=<Report Type>,Frequency=<frequency>,FromDate=<From Date YYYY-MM-DD>,ToDate=<To Date YYYY-MM-DD>,GenerationDate=<Generation Date YYYY-MM-DD>,GenerationTime=<Generation Time HH:MM:SS>",
    "fileHeader": "BEGIN,EntityId=<Processing Entity ID>,Frequency=<frequency>",
    "fileTrailer": "END,EntityId=<Processing Entity ID>,Frequency=<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.