Acquirers using MiGS for electronic commerce transactions must be able to accept the MiGS Draft Capture File (DCF) for settlement, which is sent to the financial institution from the MasterCard Regional Service Center using one of the following File Transfer Methods:
| • | Bulk File via MasterCard Interface Processor (MIP) |
| • | MasterCard File Express (MFE) through MasterCard Online |
Acquirers may use the information contained in the MiGS Draft Capture File to create clearing records for those transactions that were processed by MiGS and forwarded to issuers on behalf of the acquirer.
Features of the MiGS Draft Capture File are as follows:
| • | Files are configured daily. |
| • | Files are sent in a standard flat file format. |
| • | Header and trailer records are included. These include audit controls with totals by acceptance brand. |
| • | Files may be created for multiple days in the event previous creations were delayed. |
| • | The acquirer receiving the Draft Capture File decides the cut-off and delivery time of the file. |
Implementation Timeframes
As a guide only, acquirers should be able to implement live transaction processing for a pilot merchant within 60 to 90 days, depending upon the standard implementation options chosen.
Non-standard or enhanced functional requirements for the initial implementation will require additional days.
The following chart summarizes some key implementation options and timeframes for implementation:
Implementation Options Chosen |
Days to Implement (minimum and approximate) |
1. Standard Switch-to-Issuer (S2I) Base Implementation
|
60 days |
2. Standard S2I Base Implementation with Bank Branding
|
60-90 days |
3. Non-Standard S2I Implementations
|
90+ days (days required varies according to scope of enhancements required) |
