Bal Inquiry_VCC

	A	B	C	D	E	F	H	I	J	K	L	M	N
1	Steps for updating this file
2
3		Download Pyvio transactions (Rechargeable card> Top-Up Transactions> Download)
4		Download Baofu Card Creation (Charge fee)
5		Download Baofu Transactions (Transactions)
6		Copy and paste on its designated tab
7		Remove whitespaces
8		Update formula upto latest row
9		Check logic on the amount
10		In Pyvio tab, Put "Payeah" as merchant for all "Create, Cancel, Recharge and Withdraw" transactions
11		Unify Status naming on all tabs: Success, Failed, Pending, Processing, etc.
12		Overwrite data in "Combined", from the cleaned up data in Pyvio anf Baofu (paste them as values)
13		Double-check if there are N/As, if any, update the Account enrolment database
14		Lastly, double-check if Txns coverage is updated
15
16
17	Summary of Fees and Charges
18
19		Provider	Type of Transaction	Amount	Event	Charged to	Provider	Type of Transaction	Amount	Event	Charged to
20		Pyvio	Authorization	0.60	All Authorization transaction whether Success or Failed	Mother account	Baofu	ConsumptionPurchase	varies	Transactions interfacing merchants (linking, purchase)	VCC
21		Pyvio	Reversal	0	Negates Authorization Fees	VCC	Baofu	Adjustment	0	Negates some ConsumptionPurchase txns (binding)	VCC
22		Pyvio	TradeFeeInner	varies from 1.1% - 1.5%	Fee for all Successful Authorization transactions (Applicable only to VISA)	VCC	Baofu	Transaction Charge Fee	0.1 if local 0.5 if cross-border	All Consumption transaction whether Success or Failed	Mother
23		Pyvio	Cancel	0.30	Fee for terminating card	Mother account	Baofu	Cross-border handling feeCross-border handling fee	Minimum is 0.01, If beyond $1, 1.1% to 1.5% is being charged	Upon purchase with foreign merchants	Mother
24		Pyvio	Withdraw	10%	10% of remaining balance	Mother account	Baofu	Charge fee adjustment
25		Pyvio	Recharge	0.30%	0.3% of the recharge amount	Mother account	Baofu	RechargeTopup	2.50%	2.5% of the recharge amount	Mother
26		Pyvio	Create	0.30	New Card creation	Mother account	Baofu	Opened a CardOpened a Card	1.00	Card creation	Mother
27							Baofu	Charge fee	varies from 0.01 to 0.3	Being reversed in some merchants (Grab, Lazada)	VCC
28		Pyvio	Refund	0	Negates Successfully Charged Authorization Transaction	VCC	Baofu	Refund fee	0		VCC
29
30		Pyvio	Clearing	0	Negates Authorization Transaction
31
32
33	Test Result
34
35			Success	Failed	Pending	Processing		Purchase value
36		China	0	0	0	0		785.62	500 and up	500 and up	1	0.13%	500
37		Philippines	0	0	0	0		419.61	300 to 500	300 to 500	3	0.40%	300
38		Thailand	0	0	0	0		419.61	300 to 500	100 to 300	38	5.06%	100
39		Hong Kong	0	0	0	0		419.61	300 to 500	70 to 100	11	1.46%	70
40		Indonesia	0	0	0	0		214.42	100 to 300	40 to 70	29	3.86%	40
41		Slovakia	0	0	0	0		214.42	100 to 300	10 to 40	236	31.42%	10
42		Singapore	0	0	0	0		214.42	100 to 300	below 10	433	57.66%	5
43		Japan	0	0	0	0		214.42	100 to 300
44		Morocco	0	0	0	0		214.42	100 to 300				15.51930759
45		USA	0	0	0	0		214.42	100 to 300
46		Taiwan	0	0	0	0		209.95	100 to 300
47								203.65	100 to 300
48								203.65	100 to 300
49								193.94	100 to 300
50								193.94	100 to 300
51								193.94	100 to 300
52								193.94	100 to 300
53								193.94	100 to 300
54								192.87	100 to 300
55								192.87	100 to 300
56								192.87	100 to 300
57								188.33	100 to 300
58								188.33	100 to 300
59								188.33	100 to 300
60								188.33	100 to 300
61								188.33	100 to 300
62								188.33	100 to 300
63								188.33	100 to 300
64								188.33	100 to 300
65								188.33	100 to 300
66								188.33	100 to 300
67								188.33	100 to 300
68			18.16					188.33	100 to 300
69			Total Cost	Txns	Unit Cost			188.33	100 to 300
70		Authorization	509.7	857	0.59	Consumption authorization-handling fee		161.57	100 to 300
71		Cancel	2.3	8	0.29	Card cancellation-handling fee		159.14	100 to 300
72		Other fees	122.3	281	0.44	Other handling fees-cross-border transactions		139.20	100 to 300
73		Create	18.2	62	0.29	Card opening-handling fee		135.41	100 to 300
74		Creation top-up	8.7	61	0.14	Card opening and recharging - handling fee		135.41	100 to 300
75		Refund	56.8	28	2.03	Recharge refund-handling fee		132.57	100 to 300
76		Recharge	6.4	7	0.91	Recharge-handling fee		122.68	100 to 300
77								107.74	100 to 300
78								98.46	70 to 100
79								96.92	70 to 100
80								96.92	70 to 100
81								96.92	70 to 100
82								92.44	70 to 100
83								92.44	70 to 100
84								90.70	70 to 100
85								88.30	70 to 100
86								88.30	70 to 100
87								88.30	70 to 100
88								78.86	70 to 100
89								64.97	40 to 70
90								64.97	40 to 70
91								64.97	40 to 70
92			Total Cost	Txns	Unit Cost			60.70	40 to 70
93		ConsumptionPurchase	1055.4	342	3.09			60.70	40 to 70
94		Opened a CardOpened a Card	122.01	109	1.12			60.70	40 to 70
95		Transaction Charge Fee	66.3	279	0.24			59.15	40 to 70
96		RechargeTopup	21.55	33	0.65			57.04	40 to 70
97		Charge fee	4.12	83	0.05			57.04	40 to 70
98		transaction processing fee	2.4	24	0.10			57.04	40 to 70
99		Cross-border handling fee	1.15	49	0.02			56.22	40 to 70
100		handling fee	2.24	21	0.11			55.88	40 to 70