Version: 13 Jan 2026
This Annex defines the billable operations that are counted against the annual subscription quotas under the IXOPAY Master Services Agreement ("MSA"), and forms an integral part of the MSA. This Annex is subject to updates from time to time including for technical accuracy and product improvements. Any modification materially expanding the scope of billable operations will only apply upon renewal of the Subscription Term unless otherwise agreed in writing. Updates will be effective upon publication.
A. Payment Orchestration Operations
Any “Transaction”:
Debit (with or without Register)
Preauthorize (with or without Register)
Incremental Authorization
Payout
Register
Deregister
Refund (incl. Partial Refund)
Capture (incl. Partial Capture)
Void
Chargeback
Chargeback Reversal
Register-NT
Deregister-NT
IXOPAY Risk Management Engine check per Transaction
API Call to External Risk Check Service per Transaction
3DS Processing attempt
Transaction processed via BI Data Source (Retention: 365 days)
A.1. Module: Post Processing (Fee Management Engine, Provider Reconciliation Engine, Settlement Engine)
Transaction processed via any Post Processing Job during invoicing period
Chargeback
Chargeback reversal
A.1.2. Add-On Module: Card Account Updater (subject to contract amendment)
AccountExpirationDateUpdated
AccountNumberUpdated
ClosedAccount
ContactCardholder
B. Standalone Payment Modules Operations
B.1. Product Family: PCI Compliance
B.1.1. Module: Universal Tokenization
Tokenize and Detokenize, which may include:
Tokenize Encrypted
Proxy Tokenize
Detokenize with CVV
Proxy Detokenize
PCI
CVV Only
PCI w/CVV
Non-PCI
8DigitBIN
KHASH
Associate CVV
Associate Encrypted CVV
Get BIN + Last Four
Hash
Validate
Update
Retokenize
Payload hashing
CVV Function
Encrypt Function
Decrypt Function
Network Token Function
Passthrough
Card Authorize
Card Capture
Card Purchase
Card Refund
Card Void
Check Purchase
Check Refund
Check Void
Wallet Authorize
Wallet Purchase
Wallet Capture
Wallet Refund
Wallet Void
B.1.2. Module: Point to Point Encryption (P2PE)
P2PE PIN Translation
P2PE Decrypt
B.1.3. Module: Device Services
Tokenize (swipe)
Tokenize EMV
B.2. Product Family: Card Lifecycle Management
B.2.1. Module: Card Account Updater
Account Expiration Date Updated
Account Number Updated
Closed Account
Contact Cardholder
Cardholder Opt Out
No Match
Non-participating Account
B.2.2. Module: Network Tokenization
Network Tokenize
Get Payment Bundle
Get Card Metadata
Get Status
Lifecycle Management
Get Asset
B.2.3. Module: BIN Lookup
BIN Look Up (Billable Operation in Foundational/+ & Scaling/+ Packages; fixed fee in (Global) Enterprise/+ packages)
B.2.4. Module: PAR
Inquiry
B.3. Product Family: Fraud Services
B.3.1. Module: Kount
GetKountRiskResult
GetKounthash
getKounthash and tokenize
B.3.2. Module: 3-D Secure
3DS Authentication API Endpoint
B.3.3. Module: Other Integrated Fraud Services
Billable Operations will be set out on any applicable Order Form
B.4. Product Family: AI Payments Intelligence
Event: Raw event processed and ingested into database (per row insert representing a transactional event, e.g., authorization, capture, settlement, refund, or 3-D Secure)