{"id":555,"date":"2022-03-21T08:30:02","date_gmt":"2022-03-21T08:30:02","guid":{"rendered":"https:\/\/www.wul4.com\/?page_id=555"},"modified":"2022-03-23T10:16:33","modified_gmt":"2022-03-23T10:16:33","slug":"wul4fcm","status":"publish","type":"page","link":"https:\/\/www.wul4.com\/en\/wul4fcm\/","title":{"rendered":"<img src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/LOGOFCM.png\">"},"content":{"rendered":"<div  data-label=\"inicio\" data-id=\"content--1\" data-export-id=\"content-8\" data-category=\"content\" class=\"content-8 content-section content-section-spacing\" id=\"inicio\" style=\"background-color: rgb(255, 255, 255);\"><div  class=\"gridContainer\"> <div  class=\"row middle-sm\"><div  class=\"col-sm-6 space-bottom-xs space-top-xs\" data-type=\"column\"> <img decoding=\"async\"  class=\"shadow-large\" src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm.png\" title=\"cfm\" alt=\"\"><\/div> <div  class=\"col-sm-6\" data-type=\"column\"><h2  class=\"\"><span  style=\"font-family: &quot;Playfair Display&quot;, arial, helvetica, sans-serif; color: rgb(129, 215, 66);\">About FCM<\/span><\/h2> <p  class=\"\" style=\"text-align: justify;\"><span  style=\"color: rgb(60, 66, 79);\">-Module to calculate VISA IRF for SMS entities.<\/span><br >\n<br ><span  style=\"color: rgb(60, 66, 79);\">-FCM could be used both on the issuer side and on the acquirer side (different licenses depending on the role of the client).<\/span><br >\n<br ><span  style=\"color: rgb(60, 66, 79);\">-Services included in FCM:<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 An API for easier integration for the bank.<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 Back office administration.\n<\/span><br ><br ><span  style=\"color: rgb(60, 66, 79);\">-The Fee Calculation Module (FCM) includes interchange fees on VISA Single Message Systems (SMS). Includes INTERNATIONAL, INTRA (EUROPE) and national\/national rates. Additional domestic fees may be added as needed for each country.<\/span><br >\n\n<br ><span  style=\"color: rgb(60, 66, 79);\">-The module uses rule management to be able to identify considerations for:<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 International rates.<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 Intra rates (EUROPE).<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 The national rates for each country are defined: Spain, Portugal, etc.<\/span><\/p> <\/div> <\/div><\/div> <\/div><div  data-label=\"software\" data-id=\"content--2\" data-export-id=\"content-7\" data-category=\"content\" class=\"content-7 content-section content-section-spacing content-relative\" id=\"software\" style=\"background-color: rgb(255, 255, 255); background-image: none;\"><div  class=\"gridContainer\"> <div  class=\"row middle-sm\"><div  class=\"col-sm-6 space-bottom-xs\" data-type=\"column\"> <h2  class=\"\"><span  style=\"font-family: &quot;Playfair Display&quot;, arial, helvetica, sans-serif; color: rgb(129, 215, 66);\">Software and configuration<\/span><\/h2> <p  class=\"\" style=\"text-align: justify;\"><span  style=\"color: rgb(60, 66, 79);\">-WUL4 FCM is configured and managed through a management console.<\/span><br >\n\n<br ><span  style=\"color: rgb(60, 66, 79);\">-One could manage, change rates and remove and include new rates as needed.<\/span><br >\n\n<br ><span  style=\"color: rgb(60, 66, 79);\">-Since the logic of calculating fees changes continuously, FCM uses a rule engine based software to decide the Fee\/FPI Descriptor to apply to a specific transaction. Rules can be added\/updated on request.<\/span><br >\n\n<br ><span  style=\"color: rgb(60, 66, 79);\">-WUL4 FCM could work as a stand-alone service and members could request fare calculation via API via:<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 ISO-8583.<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 REST API \/ Web service.<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 BATCH files.<\/span><br ><span  style=\"color: rgb(60, 66, 79);\">\n\u2022 Etc.<\/span><\/p> <\/div> <div  class=\"col-sm-6\" data-type=\"column\"> <img decoding=\"async\"  class=\"shadow-large\" src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm-2.png\" title=\"cfm (2)\" alt=\"\"><\/div> <\/div><\/div> <\/div><div  data-label=\"Content\" data-id=\"content--3\" data-export-id=\"content-12\" data-category=\"content\" class=\"content-12 content-section content-section-spacing content-relative\" id=\"content-1\" style=\"background-color: rgb(242, 242, 242); background-image: none;\"><div  class=\"section-separator-top\">\n    <svg  xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1800 5.8\" preserveaspectratio=\"none\" data-separator-name=\"zigzag\" class=\"section-separator-top\">\n  <path  class=\"svg-white-bg\" d=\"M5.4.4l5.4 5.3L16.5.4l5.4 5.3L27.5.4 33 5.7 38.6.4l5.5 5.4h.1L49.9.4l5.4 5.3L60.9.4l5.5 5.3L72 .4l5.5 5.3L83.1.4l5.4 5.3L94.1.4l5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.4 5.3L161 .4l5.4 5.3L172 .4l5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3L261 .4l5.4 5.3L272 .4l5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3L361 .4l5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.6-5.4 5.5 5.3L461 .4l5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1L550 .4l5.4 5.3L561 .4l5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2L650 .4l5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2L750 .4l5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.4h.2L850 .4l5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.4h.2l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.7-5.4 5.4 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.5 5.4h.1l5.6-5.4 5.5 5.3 5.6-5.3 5.5 5.3 5.6-5.3 5.4 5.3 5.7-5.3 5.4 5.3 5.6-5.3 5.5 5.4V0H-.2v5.8z\"><\/path>\n<\/svg>\n<\/div><div  class=\"gridContainer\"> <div  class=\"row text-center\"><div  class=\"section-title-col\" data-type=\"column\"> <h2  class=\"\"><span  style=\"font-family: &quot;Playfair Display&quot;, arial, helvetica, sans-serif; color: rgb(129, 215, 66);\">First Deployment Option<\/span><\/h2> <p  class=\"lead\" style=\"text-align: left;\">-The Acquiring\/Issuing Entity may request advice on rate information using the original messages as a source.<br >\n-Rate information request based on API using the original message as a source (generally housed in the facilities of the Banking Entity).<\/p><\/div> <\/div> <div  class=\"row center-xs middle-xs\"> <div  class=\"col-sm-9\" data-type=\"column\"> <img decoding=\"async\"  class=\"shadow-large\" src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm2.png\" title=\"fcm2\" alt=\"\"><h2  class=\"\"><span  style=\"font-family: &quot;Playfair Display&quot;, arial, helvetica, sans-serif; color: rgb(129, 215, 66);\">Second implementation option<\/span><\/h2><p  class=\"lead\" style=\"text-align: justify;\">-The Issuer\/Acquirer\/Entity receives the rate information included in the VISA message.<br >\n-Already deployed with VISA SMS clients in Spain.<\/p><img decoding=\"async\"  class=\"custom-image\" src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm3.png\" title=\"fcm3\" alt=\"\"><\/div> <\/div><\/div> <div  class=\"section-separator-bottom\">\n    <svg  class=\"section-separator-bottom\" data-separator-name=\"triangle-asymmetrical-negative\" preserveaspectratio=\"none\" viewbox=\"0 0 1000 100\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n        <path  class=\"svg-white-bg\" d=\"M737.9,94.7L0,0v100h1000V0L737.9,94.7z\"><\/path>\n    <\/svg>\n<\/div><\/div><div  data-label=\"Cta\" data-id=\"cta--1\" data-export-id=\"cta-centered-section-grid\" data-category=\"cta\" class=\"cta-centered-section-grid content-section content-section-spacing-medium bg-color1 white-text\" id=\"cta-1\" style=\"background-image: none; background-color: rgb(255, 255, 255);\"><div  class=\"gridContainer\"> <div  class=\"row text-center\"><div  class=\"col-xs-12 col-sm-10 col-sm-offset-1 col-md-8 col-md-offset-2\" data-type=\"column\">  <p  class=\"\"><span  style=\"color: rgb(0, 0, 0);\">WUL4 products and solutions are owned and developed by WUL4.<\/span><br ><span  style=\"color: rgb(0, 0, 0);\">The intellectual property 100% is the property of WUL4.<\/span><br ><span  style=\"color: rgb(0, 0, 0);\">The software architecture is based on Java and J2EE to allow services to be scaled as needed.<\/span><\/p> <img decoding=\"async\"  class=\"custom-image\" src=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/FCM_LOGO03.png\" title=\"FCM_LOGO03\" alt=\"\"><\/div> <\/div><\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>About FCM -Module to calculate VISA IRF for SMS entities. -FCM could be used both on the issuer side and on the acquirer side (different licenses depending on the role of the client). -Services included in FCM: \u2022 An API for easier integration for the bank. \u2022 Back office administration. -The module\u2026 <br \/> <a class=\"read-more\" href=\"https:\/\/www.wul4.com\/en\/wul4fcm\/\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"pro\/page-templates\/full-width-page.php","meta":{"footnotes":""},"class_list":["post-555","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>- WUL4<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wul4.com\/en\/wul4fcm\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"- WUL4\" \/>\n<meta property=\"og:description\" content=\"Sobre FCM -M\u00f3dulo para calcular VISA IRF para entidades de SMS. -FCM podr\u00eda usarse tanto en el lado del emisor como en el del adquirente (diferentes licencias seg\u00fan el rol del cliente). -Servicios incluidos en FCM: \u2022 Una API para una integraci\u00f3n m\u00e1s f\u00e1cil para la entidad bancaria. \u2022 Administraci\u00f3n de back office. -El m\u00f3dulo&hellip; Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wul4.com\/en\/wul4fcm\/\" \/>\n<meta property=\"og:site_name\" content=\"WUL4\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-23T10:16:33+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.wul4.com\/wul4fcm\/\",\"url\":\"https:\/\/www.wul4.com\/wul4fcm\/\",\"name\":\"- WUL4\",\"isPartOf\":{\"@id\":\"https:\/\/www.wul4.com\/en\/#website\"},\"datePublished\":\"2022-03-21T08:30:02+00:00\",\"dateModified\":\"2022-03-23T10:16:33+00:00\",\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.wul4.com\/wul4fcm\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.wul4.com\/en\/#website\",\"url\":\"https:\/\/www.wul4.com\/en\/\",\"name\":\"WUL4\",\"description\":\"Consultor\u00eda, servicios tecnol\u00f3gicos de pagos y seguridad.\",\"publisher\":{\"@id\":\"https:\/\/www.wul4.com\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.wul4.com\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.wul4.com\/en\/#organization\",\"name\":\"WUL4\",\"url\":\"https:\/\/www.wul4.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.wul4.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/Sin-titulo-2.png\",\"contentUrl\":\"https:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/Sin-titulo-2.png\",\"width\":988,\"height\":301,\"caption\":\"WUL4\"},\"image\":{\"@id\":\"https:\/\/www.wul4.com\/en\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"- WUL4","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.wul4.com\/en\/wul4fcm\/","og_locale":"en_GB","og_type":"article","og_title":"- WUL4","og_description":"Sobre FCM -M\u00f3dulo para calcular VISA IRF para entidades de SMS. -FCM podr\u00eda usarse tanto en el lado del emisor como en el del adquirente (diferentes licencias seg\u00fan el rol del cliente). -Servicios incluidos en FCM: \u2022 Una API para una integraci\u00f3n m\u00e1s f\u00e1cil para la entidad bancaria. \u2022 Administraci\u00f3n de back office. -El m\u00f3dulo&hellip; Read more","og_url":"https:\/\/www.wul4.com\/en\/wul4fcm\/","og_site_name":"WUL4","article_modified_time":"2022-03-23T10:16:33+00:00","og_image":[{"url":"http:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/fcm.png"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.wul4.com\/wul4fcm\/","url":"https:\/\/www.wul4.com\/wul4fcm\/","name":"- WUL4","isPartOf":{"@id":"https:\/\/www.wul4.com\/en\/#website"},"datePublished":"2022-03-21T08:30:02+00:00","dateModified":"2022-03-23T10:16:33+00:00","inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.wul4.com\/wul4fcm\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.wul4.com\/en\/#website","url":"https:\/\/www.wul4.com\/en\/","name":"WUL4","description":"Consultor\u00eda, servicios tecnol\u00f3gicos de pagos y seguridad.","publisher":{"@id":"https:\/\/www.wul4.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.wul4.com\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.wul4.com\/en\/#organization","name":"WUL4","url":"https:\/\/www.wul4.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.wul4.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/Sin-titulo-2.png","contentUrl":"https:\/\/www.wul4.com\/wp-content\/uploads\/2022\/03\/Sin-titulo-2.png","width":988,"height":301,"caption":"WUL4"},"image":{"@id":"https:\/\/www.wul4.com\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/pages\/555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/comments?post=555"}],"version-history":[{"count":14,"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/pages\/555\/revisions"}],"predecessor-version":[{"id":633,"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/pages\/555\/revisions\/633"}],"wp:attachment":[{"href":"https:\/\/www.wul4.com\/en\/wp-json\/wp\/v2\/media?parent=555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}