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:

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<?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.

API reference

The following data will be returned in <enhancedAuthResponse> which is a child of <payment>.

ElementTypeDescription
<fundingSource>
<sourceType>PCDATAPossible values:
  • UNKNOWN
  • PREPAID
  • CREDIT
  • DEBIT
  • FSA
<availableBalance>PCDATAIf a balance cannot be determine “Not Available." will be returned
<reloadable>PCDATAPossible values:
  • YES
  • NO
  • UNKNOWN
<prepaidCardType>PCDATAPossible values:
  • UNKNOWN
  • GIFT
  • GOVERNMENT_BENEFIT
  • GENERAL_PREPAID
  • PAYROLL
  • CONSUMER_PROMOTION
<affluence>PCDATAPossible values:
  • MASS AFFLUENT
  • AFFLUENT
  • UNKNOWN
<issuerCountry>PCDATATwo character ISO country code
<cardProductType>PCDATAPossible values:
  • COMMERCIAL
  • CONSUMER
  • UNKNOWN
<virtualAccountNumber>PCDATAPossible values:
  • TRUE
  • FALSE
<accountRangeId>PCDATAWorldpay generated number, 19 digit maximum length.