Card Interchange Activity Report
Overview
The Card Interchange Activity report contains transaction-level card interchange and settlement activity across all financial accounts for your organization.
ATM and manual cash-related transactions are excluded from this report because they are billed differently, e.g., withdrawals, deposits, and balance inquiries.
ReportType enum: CARD_INTERCHANGE_ACTIVITY
We recommend that you do not use this report to reconcile against your monthly Highnote invoices.
Data availability
Data for this report is available as follows:
- Earliest available: September 1, 2023 and after
- Latest available: Five (5) days from today
Report fields
| Field Name | Data type | Description |
|---|---|---|
| created_at | DateTime (ISO 8601: YYYY-MM-DDTHH:MM:SSZ) | UTC timestamp when the transaction was posted to the financial account |
| platform_settlement_date | Date | Date when the transaction was settled on the platform, with a cutoff of 5 PM Pacific Time (PT) |
| card_product_id | String | Unique identifier of the card product |
| card_product_name | String | Name of the card product associated with the ledger entry |
| public_card_profile_set_id | String | Unique identifier of the card profile for a given card product |
| payment_network | String | Name of the card network provider (Visa, Mastercard) |
| bin_classification | String | Classification of the network BIN product type (consumer, commercial, business, etc.) |
| bin_funding_type | String | Card funding type of the network BIN product (credit, prepaid, debit) |
| payment_card_id | String | Unique identifier of the card |
| processing_network_code | String | Card transaction network. Possible values: VNT (Visanet), MCC (Mastercard Dual Message), MDS (Maestro Single Message), PUL (PULSE), or MPS (Moneypass) |
| financial_event_id | String | Unique identifier of the financial event |
| financial_event | String | Activity type of the financial event (e.g., AUTHORIZE, CLEAR, REVERSE, AUTHORIZE_AND_CLEAR) |
| transaction_id | String | Transaction lifecycle identifier. Example: Two transaction events (AUTH and CLEAR) make up one transaction lifecycle, so both events share the same transaction lifecycle ID. Multi-clearing transaction events with different financial_event_ids share the same transaction_id. |
| transaction_settlement_amount | Decimal | Amount of the transaction that was settled. A positive entry is a debit transaction, for example, purchases. A negative entry is a credit transaction, for example, returns. |
| transaction_settlement_amount_currency_code | String | ISO 4217 code representing the currency of the settlement amount |
| interchange_amount | Decimal | Interchange amount of the transaction: positive for income, negative for expense |
| interchange_amount_currency_code | String | ISO 4217 code representing the currency of the interchange amount |
| network_interchange_rate_code | String | Code provided by the card network that denotes the interchange category or rate applied to the transaction. Only available for VNT and MCC. |
| merchant_category_code | String | 4-digit ISO 18245 code representing retail financial services. MCCs classify businesses by the type of goods or services they provide. |
| merchant_name | String | Name of the merchant where the transaction took place |
| merchant_description | String | Location of the merchant where the transaction took place |
| merchant_country | String | ISO 3166 Alpha-3 code representing the country where the merchant is located |
| is_international_transaction | Boolean | True if the transaction is considered international; otherwise False |
| acquirer_country | String | ISO 3166 Alpha-3 code representing the country where the acquirer is located |
Sample report
You cannot generate the Card Interchange Activity Report in the Test environment.
The following sample is representative of an actual report: identifier columns are masked, and merchant names and locations are illustrative, but the timestamps, amounts, networks, interchange figures, rate codes, and categories reflect real reported activity.
This sample includes:
- A refund, with a negative
transaction_settlement_amountandinterchange_amount. - An international transaction, where
is_international_transactionisTRUEandacquirer_countryis populated. - A range of Mastercard interchange rate codes.
The network_interchange_rate_code column is populated only for dual message processing networks, and in this case, only Mastercard Dual Message (MCC).
created_at,platform_settlement_date,card_product_id,card_product_name,public_card_profile_set_id,payment_network,bin_classification,bin_funding_type,payment_card_id,processing_network_code,financial_event_id,financial_event,transaction_id,transaction_settlement_amount,transaction_settlement_amount_currency_code,interchange_amount,interchange_amount_currency_code,network_interchange_rate_code,merchant_category_code,merchant_name,merchant_description,merchant_country,is_international_transaction,acquirer_country
2026-03-01 01:33:46.699 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0001,CLEAR,tx_2403...0001,376.8,USD,8.01,USD,3B,5200,Home Improvement Warehouse,1200 COMMERCE BLVD PORTLAND ORUS,USA,FALSE,
2026-03-01 01:33:46.815 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0002,CLEAR,tx_2403...0002,220.3,USD,5.72,USD,3N,3357,Metro Car Rental,4500 AIRPORT WAY JACKSONVILLE FLUS,USA,FALSE,
2026-03-01 01:33:48.235 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0003,CLEAR,tx_2403...0003,24.88,USD,0.5,USD,IP,5814,Quick Service Cafe,100 PLAZA CARR 153 SANTA ISABEL PRPR,PRI,FALSE,PRI
2026-03-01 01:33:59.297 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0004,CLEAR,tx_2403...0004,75,USD,1.68,USD,3B,5542,National Fuel Station,1475 HIGHWAY 20 HAMPTON GAUS,USA,FALSE,
2026-03-01 01:34:09.616 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,BUSINESS,DEBIT,cd_2d7b...a639,MCC,te_2403...0005,CLEAR,tx_2403...0005,46,USD,0.23,USD,MM,5942,Online Marketplace,500 COMMERCE AVE SEATTLE WAUS,USA,FALSE,
2026-03-01 01:34:29.837 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0006,CLEAR,tx_2403...0006,999,USD,28.57,USD,3A,5200,Home Improvement Warehouse,2400 RETAIL PKWY DAYTONA BCH FLUS,USA,FALSE,
2026-03-01 01:34:32.123 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0007,CLEAR,tx_2403...0007,0.99,USD,0.01,USD,MM,5818,Digital Goods Service,1 TECH PARK WAY CUPERTINO CAUS,USA,FALSE,
2026-03-01 01:34:32.787 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0008,CLEAR,tx_2403...0008,386.19,USD,7.71,USD,IP,7361,Recruiting Services,10 HARBOUR ST DUBLIN IRIE,IRL,TRUE,IRL
2026-03-01 01:34:47.723 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0009,CLEAR,tx_2403...0009,952.41,USD,24.39,USD,3N,3000,Continental Airlines Co,600 AIRPORT BLVD HOUSTON TXUS,USA,FALSE,
2026-03-01 01:34:50.489 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0010,CLEAR,tx_2403...0010,-20.69,USD,-0.49,USD,39,5814,Casual Dining Restaurant,8300 CENTRE DR WOODBURY MNUS,USA,FALSE,
2026-03-01 01:34:50.563 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0011,CLEAR,tx_2403...0011,500,USD,10.1,USD,CH,8398,Community Nonprofit,33 CHARITY ST NEWNAN GAUS,USA,FALSE,
2026-03-01 01:34:51.171 UTC,2026-03-01,pd_4df7...10c6,CCP,icpse_c291...6296,MASTERCARD,COMMERCIAL,CREDIT,cd_2d7b...a639,MCC,te_2403...0012,CLEAR,tx_2403...0012,35.61,USD,0.85,USD,3B,5734,Cloud Software Provider,101 NETWORK ST SAN FRANCISCOCAUS,USA,FALSE,