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Issuer Insights
With over 40 billion transactions processed annually, Worldpay can empower you to turn payments into a strategic advantage. Issuer Insights is our powerful tool that provides a window into issuers' information and performance. This knowledge turns into opportunities to identify trends and patterns specific to customers, and ultimately boost your approval rates.
Delivery methods
Issuer insights is available via the following delivery methods:
- Report
- API
Report
A weekly, merchant-specific, machine-readable report revealing bank and card characteristics, MCC benchmarked approval rates by issuer, account updater participation and key performance indicators on every issuer and card product.
API
Real-time indicators describe the characteristics of the card used by the consumer and are included in:
- XML payment response
- HTTP notifications
- Order inquiries
XML response example:
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd">
<paymentService version="1.4" merchantCode="ExampleCode1">
<reply>
<orderStatus orderCode="ExampleOrder1">
<payment>
<paymentMethod>ECMC-SSL</paymentMethod>
<amount value="1000" currencyCode="USD" exponent="2" debitCreditIndicator="credit" />
<lastEvent>CAPTURED</lastEvent>
<CVCResultCode description="APPROVED" />
<AVSResultCode description="APPROVED" />
<balance accountType="IN_PROCESS_CAPTURED">
<amount value="1000" currencyCode="USD" exponent="2" debitCreditIndicator="credit" />
</balance>
<riskScore value="25" />
<enhancedAuthResponse>
<fundingSource>
<sourceType>PREPAID</sourceType>
<availableBalance>1598.25</availableBalance>
<prepaidCardType>MASTERCARD</prepaidCardType>
<reloadable>UNKNOWN</reloadable>
</fundingSource>
<affluence>MASS AFFLUENT</affluence>
<accountRangeId>5555555</accountRangeId>
<issuerCountry>MX</issuerCountry>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
</payment>
</orderStatus>
</reply>
</paymentService>
<?xml version="1.0" encoding="UTF-8"?> <!DOCTYPE paymentService PUBLIC "-//WorldPay//DTD WorldPay PaymentService v1//EN" "http://secure.worldpay.com/dtd/paymentService_v1.dtd"> <paymentService version="1.4" merchantCode="ExampleCode1"> <reply> <orderStatus orderCode="ExampleOrder1"> <payment> <paymentMethod>ECMC-SSL</paymentMethod> <amount value="1000" currencyCode="USD" exponent="2" debitCreditIndicator="credit" /> <lastEvent>CAPTURED</lastEvent> <CVCResultCode description="APPROVED" /> <AVSResultCode description="APPROVED" /> <balance accountType="IN_PROCESS_CAPTURED"> <amount value="1000" currencyCode="USD" exponent="2" debitCreditIndicator="credit" /> </balance> <riskScore value="25" /> <enhancedAuthResponse> <fundingSource> <sourceType>PREPAID</sourceType> <availableBalance>1598.25</availableBalance> <prepaidCardType>MASTERCARD</prepaidCardType> <reloadable>UNKNOWN</reloadable> </fundingSource> <affluence>MASS AFFLUENT</affluence> <accountRangeId>5555555</accountRangeId> <issuerCountry>MX</issuerCountry> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse> </payment> </orderStatus> </reply> </paymentService>
Testing
Supply the following magic values in <cardHolderName>
to simulate Issuer Insights responses.
<enhancedAuthResponse>
<fundingSource>
<sourceType>PREPAID</sourceType>
<availableBalance>2000</availableBalance>
<prepaidCardType>GIFT</prepaidCardType>
<reloadable>NO</reloadable>
</fundingSource>
<virtualAccountNumber>108</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>PREPAID</sourceType> <availableBalance>2000</availableBalance> <prepaidCardType>GIFT</prepaidCardType> <reloadable>NO</reloadable> </fundingSource> <virtualAccountNumber>108</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>PREPAID</sourceType>
<availableBalance>0</availableBalance>
<prepaidCardType>PAYROLL</prepaidCardType>
<reloadable>YES</reloadable>
</fundingSource>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>PREPAID</sourceType> <availableBalance>0</availableBalance> <prepaidCardType>PAYROLL</prepaidCardType> <reloadable>YES</reloadable> </fundingSource> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>PREPAID</sourceType>
<availableBalance>2000</availableBalance>
<prepaidCardType>PAYROLL</prepaidCardType>
<reloadable>YES</reloadable>
</fundingSource>
<cardProductType>COMMERCIAL</cardProductType>
<accountRangeId>11</accountRangeId>
<issuerCountry>GB</issuerCountry>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>PREPAID</sourceType> <availableBalance>2000</availableBalance> <prepaidCardType>PAYROLL</prepaidCardType> <reloadable>YES</reloadable> </fundingSource> <cardProductType>COMMERCIAL</cardProductType> <accountRangeId>11</accountRangeId> <issuerCountry>GB</issuerCountry> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>CREDIT</sourceType>
<availableBalance>UNAVAILABLE</availableBalance>
</fundingSource>
<affluence>AFFLUENT</affluence>
<cardProductType>UNKNOWN</cardProductType>
<accountRangeId>4</accountRangeId>
<issuerCountry>BR</issuerCountry>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>CREDIT</sourceType> <availableBalance>UNAVAILABLE</availableBalance> </fundingSource> <affluence>AFFLUENT</affluence> <cardProductType>UNKNOWN</cardProductType> <accountRangeId>4</accountRangeId> <issuerCountry>BR</issuerCountry> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>CREDIT</sourceType>
<availableBalance>UNAVAILABLE</availableBalance>
</fundingSource>
<affluence>MASS AFFLUENT</affluence>
<cardProductType>UNKNOWN</cardProductType>
<accountRangeId>4</accountRangeId>
<issuerCountry>BR</issuerCountry>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>CREDIT</sourceType> <availableBalance>UNAVAILABLE</availableBalance> </fundingSource> <affluence>MASS AFFLUENT</affluence> <cardProductType>UNKNOWN</cardProductType> <accountRangeId>4</accountRangeId> <issuerCountry>BR</issuerCountry> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>DEBIT</sourceType>
<availableBalance>UNAVAILABLE</availableBalance>
</fundingSource>
<affluence>MASS AFFLUENT</affluence>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>DEBIT</sourceType> <availableBalance>UNAVAILABLE</availableBalance> </fundingSource> <affluence>MASS AFFLUENT</affluence> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
<enhancedAuthResponse>
<fundingSource>
<sourceType>DEBIT</sourceType>
<availableBalance>UNAVAILABLE</availableBalance>
</fundingSource>
<affluence>MASS AFFLUENT</affluence>
<virtualAccountNumber>FALSE</virtualAccountNumber>
</enhancedAuthResponse>
<enhancedAuthResponse> <fundingSource> <sourceType>DEBIT</sourceType> <availableBalance>UNAVAILABLE</availableBalance> </fundingSource> <affluence>MASS AFFLUENT</affluence> <virtualAccountNumber>FALSE</virtualAccountNumber> </enhancedAuthResponse>
API reference
The following data will be returned in <enhancedAuthResponse>
which is a child of <payment>
.
Element | Type | Description | |
---|---|---|---|
<fundingSource> | |||
<sourceType> | PCDATA | Possible values:
| |
<availableBalance> | PCDATA | If a balance cannot be determine “Not Available." will be returned | |
<reloadable> | PCDATA | Possible values:
| |
<prepaidCardType> | PCDATA | Possible values:
| |
<affluence> | PCDATA | Possible values:
| |
<issuerCountry> | PCDATA | Two character ISO country code | |
<cardProductType> | PCDATA | Possible values:
| |
<virtualAccountNumber> | PCDATA | Possible values:
| |
<accountRangeId> | PCDATA | Worldpay generated number, 19 digit maximum length. |