API - How to differentiate if a terminal tx was paid with 'Maestro/VPay' or 'consumer debitcards'?

[feral barn]

Using the payments API we can see the labels 'consumer', 'Mastercard', and country 'Netherlands' when we retrieve specific transactions. But looking at various transactions, both Maestro tx's and Mastercard Debit tx's have these same labels, but they are charged a different fee. We need either the exact method or the total fee info per transaction to pass the right fee on to our customers.

The Payments API doesn't seem to include the amount that was deducted, so we also cannot reverse figure out based on the method pricing which card was used.
We so far only found that the internal API of the Mollie dashboard is able to retrieve the fees amount and the Balances API with "List balance transactions" can tell us. But since it's only a very minor part of our total transactions looping through the whole balance transactions list to solve this feels overkill.

Are we missing something? Is there any other way to determine which type of card was using from the Payments API data? Or retrieve the fee-info per transaction using the Payments API? Or filter the balances API on payment method?

[solid jewel]

Hi @feral barn, I’ll check with the team and one of our devs will follow up with you 😊

[solid jewel]

I'm tagging our amazing @upper maple, he can assist you further 🚀

[feral barn]

@upper maple @solid jewel Any update already on this?

[solid jewel]

I cannot help with technicalities but I can ping Maikel again 🙂

[tranquil gazelle]

Hey @feral barn ! Jumping in here, I might be able to help answer this. You are correct in observing that we currently do not differentiate between Maestro vs. Mastercard transactions in the cardLabel field for terminal transactions. You are also correct that the only API where you can fetch payment cost information on a per transaction level is the list balance transactions API. You need to iterate through the response from this API and search for the payment ID contained in the 'context' field, and I agree this is cumbersome. It would be very nice to have this information in the Payments API ( @desert sluice 😉 ) but perhaps there's a good reason why this information is not available there today.

Could you also expand a little bit further on the use case? Is this for reporting?

[upper maple]

Hi there, my apologies for replying so late! I take it this is about online (credit or debit) card transactions?

I think @regal turtle would be the person to include in this conversation for that reason 😄

[tranquil gazelle]

@upper maple I believe this is specifically for terminal transactions

[upper maple]

From a technical perspective, there are definitely some possibilities, which does require some work from our end to expose such information to you. As you rightly mentioned, we do differentiate between 'regular' Mastercard cards and Maestro Mastercard cards.

You mention two possibilities:

• Expose more detailed card information for a transaction, to be able to differentiate between the types of cards.
• Expose fee information per transaction.

How do you currently charge your customers? Is it e.g. a percentage based on the fee Mollie charges, or perhaps a specific fee rate depending on the type of card that was used?