DE03/Reimbursement Attribute: the field that carries the Reimbursement Value of the transaction. BKM uses this information as the basis for calculating interchange fees and charges between member banks.
The Reimbursement Attribute values used in the clearing process can be as follows:
| Reimbursement Value | Description |
| 0 | Standard Sale, Manual Cash Withdrawal, OPS (Other Payment Systems) Domestic Standard |
| 1 | Installment Spending |
| 2 | ATM Credit Card Cash Withdrawal, POS Credit Card Cash Advance |
| 6 | Other Payment Systems (Amex, Diners, JCB) Foreign Discounted |
| 7 | POS Discounted, Other Payment Systems (Amex, Diners, JCB) Domestic Discounted |
| 8 | Other Payment Systems (Amex, Diners, JCB) Foreign Standard |
| 9 | Loyalty Points Spending |
| A | Pospara |
| B | POS Debit Card Cash |
| C | Card-to-Card Money Transfer Service Fee |
| E | e-Money Service and Command Management |
| F | Full 3D Secure / GO Secure Payment |
| H | Half 3D Secure / GO Secure Payment |
| L | ATM PIN Management Sharing |
| X | Express |
| Z | Cash Withdrawal from a Linked Account via Credit Card |
Why must this field not be wrong?
Because the interchange fee between members is calculated based on this value, an incorrect value leads to erroneous fee payments between banks or reconciliation discrepancies. For example, an installment transaction and a standard sale are sent with different values.
In-house bank software must automatically generate the correct reimbursement value based on the transaction type. If a new transaction type is added, the value table must also be updated.
Checking this field while generating clearing records reduces fee-discrepancy disputes that could arise later.
