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Transaction Policy FAQs


How do I create Transaction categories?

Use \transactionCategory endpoint to create a transaction category and provide values for the following parameters:

  • code

  • attrKey

  • attrVal

  • txnCategoryComparator

You can view the sample request payload for reference.

At what level are the transaction categories created?
Transaction Categories can be created at various entity-levels like Account Holder, Product, Program, Program Family and Product Family.
How do I create transaction policies?

Use \transactionPolicies endpoint to create a transaction policy and provide values for following below parameters:

  • policyViolationAction

  • Action

  • allowedTransactionCategoryCodes

  • disallowedTransactionCategoryCodes

  • allowedTimeSlices

  • disallowedTimeSlices

  • errorCode

You can view the sample request payload for reference.

At what level are the transaction policies created?
Transaction Policies can be created at different entity levels like Product, Product Family, Program, Program Family and Account Holder.
What are the possible values for txnCategoryComparator in Transaction Category payload?
Possible values for txnCategoryComparator are EQUALS and CONTAINS.
What is the maximum limit allowed per transaction?

Maximum transaction limit for,

  • Min KYC User: Rs. 10000 per transaction(debit/credit)

  • Aadhaar OTP KYC User: Rs. 1 lakh per transaction(debit/credit).

Can a disabled transaction be enabled in policy?
Yes. You can use /transactionPolicies/enabled and /transactionPolicies/disabled endpoints to enable and disable the policy respectively using the policy ID.
Are transaction limits enforced within the scope of form factors?
No. Transaction limits are always enforced within the scope of Accounts and Account Holders.
Can transactions to particular merchants/aggregators be blocked?
Blocking merchants/aggregators is an issuer’s call and hence, can be done only post approval from the issuer.
To what extent are aggregate limits applied?
Aggregate limits are applied across daily, weekly, monthly, quarterly and yearly caps.
Are there any error codes defined for violation of transaction limits?

Fusion provides the following 2 categories of error codes to indicate when transaction limits are violated:

  • User defined error codes defined during policy creation

  • System defined legacy error codes.

In the absence of any user defined error codes, the system throws one of the relevant System defined error codes

How is the money refunded in case of failed transactions when the limit is breached?
When the user's limit is breached, funds aren’t added to their ledgers (credits can be made up-to that specific limit, unless it's reversal transaction), and thus users are not debited. In case the users are debited, the payment gateway will initiate the reversal for funds back to the source account (Issuing bank). For example, user added Rs. 7000 first and then tried adding Rs. 4000. The second transaction of adding Rs. 4000 will fail as it breaches the set limit for min KYC users.
Are debit and credit transactions together used for limit calculation?
No. Being a min KYC'ed user, you can add up-to Rs. 10000 (Credit limit) and spend up-to Rs. 10000 (Debit limit) separately.
If the user’s refund amount is credited back to his account, will he be able to use it again in the same cycle?
This depends on the user's spend limit left for that month. For example, if the user received a refund of Rs. 300 and has a spend limit of Rs. 300 or more left for that particular month, then yes, user can spend the amount.
When does a month/year start for the transaction policy cycle and is it according to the calendar or is it from the time when the user did KYC?
It is according to the calendar (January - December). For example, user added Rs. 7000 first and then tried adding Rs. 4000. The 2nd transaction of adding Rs. 4000 will fail as it breaches the set limit for min KYC'ed users (Daily and Monthly). User can only add up-to Rs. 3000 here. Same applies to debit transaction limits as well.
Are transaction reversals also included in limit calculation?
Reversals are not included in limit calculations. For example, a user has added Rs. 8000 and spent Rs. 2000. If a user receives the reversal for Rs. 1000, then this Rs. 1000 won't be counted in the credit limit.