# Product Configuration for Account Contracts and Card Contracts
source: https://developer.mastercard.com/mastercard-processing-core/documentation/api-basics-section/product-config/index.md

A setup of our CMS is customized for your needs during the onboarding process and will be available when you are ready to use the Mastercard Test Facility (MTF) environment. One of the main parameters to be defined in the CMS is the product configuration for the account contract and the card contract.

The product determines the following properties:

* Type of card or account (for example, debit, credit, prepaid).
* Currency.
* Billing cycle.
* List of allowed transactions.
* Transaction processing rules.
* Interest accrual rules.
* Fee calculation rules (for example, card annual fee).
* Usage limits.

Some product properties are specific to the card contract, and others to the account contract. For example:

* **Card contract**: The product defines the BIN ranges eligible for a specific PAN range to be used in card issuing.
* **Account contract**: The product defines which card products can be created under a given account contract.

When the product configuration is ready, the CMS will generate unique values for each product. These values correspond with the `productCode` field in the account contract and the `productCode` field in the card contract. These fields are used for the `createAccount` and `createCard` operations.

An example of a basic product configuration is presented in the following table:

| **Country** | **Currency** | **BIN** | **BIN lower range** | **BIN upper range** | **Card or account type** | **Card `productCode` value in CMS** | **Account `productCode` value in CMS** |
|-------------|--------------|---------|---------------------|---------------------|--------------------------|-------------------------------------|----------------------------------------|
| Spain       | EUR          | 510000  | 0000000000          | 0099999999          | Credit as a Debit        | 047_524720_MPL_STD                  | ISSUER_A_ACC_EUR                       |
| Poland      | PLN          | 510000  | 0100000000          | 9999999999          | Credit as a Debit        | 048_524720_MPL_STD                  | ISSUER_A_ACC_PLN                       |