program

Core Resources / Programs

Overview

Program Resources manage programs, offerings and enrollments.

Programs are a collection of offerings, priority settings, processor settings and card fulfillment settings that clients offer for enrollment to employees or patrons as individual participants. Programs are cloned from program templates, this means new programs are preset based on the program template but clients can override those presets. Programs might be benefit programs, incentive programs, insurance programs, reward programs or any other type of program requiring an issued card, payments and stored value. For example, a client of an employee benefits administrator (bureau) might clone a program template to create a benefit program that has predefined offerings, priority settings, processor settings and card fulfillment settings. All of these settings can be overwritten but the template provides a preset starting point.

Offerings define the type of accounts, account features, funds flows and payment options available for a specific program offering. An offering could be a benefit plan offering, incentive plan offering, a insurance plan offering or reward plan offering. For example, an offering might be an FSA, HRA or transit benefit plan or an employee, patient or customer incentive plan. Individuals who enroll in an offering are called participants.
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Priority settings provide a way for the client to control and enforce spend controls such as the depletion order of program offering accounts in multi-purse programs, restrictions, limits and tolerances.
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Processor settings provide a way for the client to control and enforce spend controls such as restrictions, limits and tolerances.
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Card fulfillment settings provides a way for the client to control and enforce how cards are fulfilled.
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For example, a client creates a benefit admin program by cloning the benefit admin template preset by the bureau. The client now has a preset program with cash reimbursement and advance features. Additionally, the client has preset FSA, HSA, HRA and transit available offerings. For each offering the client can override the funds flows and allowed reimbursement vehicles such as card. The client can also override the priority settings with a depletion order that debits FSA, HSA, HRA, transit and cash in a newly configured order. In addition, the client can set the processor settings with modified restrictions, limits and tolerances for all authorization scenarios. By setting the card fulfillment settings the client controls how issued cards are fulfilled.
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Concepts

Amount Limit Types

Amount limits impose a spend constraint on authorizations. Amount limit applications can be merchandise, cash, OTC, total cash and spend. These limit applications can be applied with a period type and period value. Period types are minutes, months, lifetime and current message period types with a range of period sizes.

Available Offerings

A list of project template offerings that are made available to programs instantiated from the project template.

Card Fulfillment

Card fulfillment provides a way for the client to control and enforce how cards are fulfilled.

Count Limit Types

Count limits impose a count constraint on authorizations. Count limit applications can be ATM or PIN failure count. These limit applications can be applied with period type. Period types are minutes, months, lifetime and current message period types with a range of period sizes.

Feature Offerings

Program features include cash, advance, interest, commission and fee type feature offerings.

General Program Settings

Top level program identifiers and descriptions.

Limits

Limits impose different types of limit constraints on reimbursement or issued payment instrument authorizations. Limits exist as a list of application, value and period variables, which if breached will result in a decline of the authorization.

Merchant

A Business that accepts payment instruments as payment in exchange for goods and services. Merchants are identified by a MID (merchant id)

Merchant Category Code

Categorization of merchants denoted by a standard code defined by the card network.

Merchant Classifier

A tag that represents a certain type or classification of merchant(s) by the merchant category code or range or merchant category codes.

Merchant Type

A tag that represents a certain standard type of merchant(s) denoted by merchant a merchant classifier tag.

Offering

An offering is offered by Clients to Individuals for enrollment and membership. Offerings are comprised of accounts, issued payment instruments, reimbursement options, funds flows and other features included in a program offering. An example of an offering would be a benefit plan, an incentive plan, a redemption plan, reward plan, etc.

Program

Programs provide a way for clients to configure a collection of offerings, priority settings, processor settings and card fulfillment settings they offer to individuals who are their employees or patrons.

Priority

Priority provides a way for the client to control and enforce spend controls such as the depletion order of program offering accounts in multi-purse programs, restrictions, limits and tolerances.

Processor

The processor settings provide a way for the client to enforce spend controls, such as restrictions, limits and tolerances.

Reimbursement Method

A payment instrument such as card issued by a bureau and facilitated by Xformative or a manual authorization workflow. Examples are Card, QR code or manual claims.

Restrictions

Restrictions impose different types of restriction constraints on issued payment instrument authorizations. Restrictions exist as a list of restricted variables which if matched will result in a decline of the payment instrument authorization.

Restricted Countries

A list of countries that if matched will decline a payment instrument authorization.

Restricted Merchants

A list of merchants that if matched will decline a payment instrument authorization.

Restricted Merchant Types

A list of merchant types that if matched will decline a payment instrument authorization.

Tolerances

Tolerances are the allowed amount over the approved amount. For example, in the case of a restaurant gratuity 20% or filling station $100.

Events

new-program

Creates a new program template.

new-program-offering

Creates a new program template offering.

new-processor-limit

Creates a new limit which will be applied during applicable authorizations.

new-processor-tolerance

Creates a new tolerance which will be applied during applicable authorizations.

set-card-fulfillment-general

Sets the top level general card fulfillment settings.

set-card-fulfillment-vendor

Sets the selected fulfillment vendor and return information..

set-priority-depletion-order

Sets the order in which program offerings will be depleted/debited during authorizations.

set-processor-general

Sets the top level general settings of the processor template.

set-processor-restrict-countries

Sets the country restrictions that apply to all authorizations for a program.

set-processor-restrict-merchant-ids

Select merchant id restrictions that apply to all authorizations for a program.

set-processor-restrict-merchant-types

Sets the merchant type restrictions that apply to all authorizations for a program.

set-program-general

Sets the top level general program template settings.

update-processor-limit

Updates an existing limit which will be applied during applicable authorizations.

update-processor-tolerance

Updates and existing tolerance which will be applied during applicable authorizations.

update-program

Updates and existing program template.

update-program-offering

Updates an existing program template offering.