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A debit cardholder goes to an ATM and makes a balance inquiry, and then inputs $60 as the withdrawal amount. The ATM dispenses three $20 bills. The following are true:
- The initial available balance is $1000.
- The ATM validates the debit card with a PIN.
- The ATM operator charges a $2 fee.
- The card issuer charges a $1 fee.
- The network is Maestro Debit Switch.
Events in the same step have the same timestamp.
- Mastercard sends a balance inquiry, and SoFi Tech Solutions responds with the balance. SoFi Tech Solutions sends an
AABI: bal event message.
- Mastercard sends an authorization request for –62.00 and SoFi Tech Solutions adds a –1.00 fee.
- SoFi Tech Solutions approves the request and places a 63.00 hold on the cardholder account. The available balance is now 937.00. SoFi Tech Solutions sends a
BAUT: auth.
- Mastercard sends a batch file that contains the –62.00 transaction.
- SoFi Tech Solutions backs out the 63.00 hold and posts –62.00 to the account plus the –1.00 fee. The available balance is still 937.00. SoFi Tech Solutions sends
SETL: setl and BFEE:fee event messages.
These tables show how the transactions are represented by various systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.
| auth_type | transaction_type | trans_amount | auth_id | original_id | available_funds | timestamp |
|---|
| Auth | Balance Inquiry | 0.00 | 2211 | 0 | 1000 | 20210413:095359MST |
| Auth | ATM | 63 | 2244 | 0.00 | 1000 | 20210413:095448MST |
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|
| AABI | bal | 0 | 2211 | 0 | 1000 | 2021-04-13 09:53:59 MST |
| BAUT | auth | 63 | 2244 | 0 | 937 | 2021-04-13 09:54:48 MST |
| SETL | setl | 62 | 2244 | 0 | 938 | 2021-04-15 05:35:20 MST |
| BFEE | fee | 1 | 1122 | 0 | 937 | 2021-04-15 05:35:20 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|
| 0.00 | 2211 | 10 | 0 | 2021-04-13 09:53:59 |
| -63.00 | 2244 | 9 | 0 | 2021-04-13 09:54:48 |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|
| -62.00 | 2244 | SDW | 2244 | 2021-04-13 09:54:48 | 2021-04-15 05:35:20 |
| -1.00 | 1122 | FE0013 | 1122 | 2021-04-13 09:54:48 | 2021-04-15 05:35:20 |
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. The local_amt does not include the issuer fee.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|
| -63 | 2244 | 0 | W | 000000006200 | 2021-04-13 09:54:48 |
This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.
| amt | source_id | original_auth_id | trans_code | auth_ts | post_ts |
|---|
| -62 | 2244 | 0 | SDW | 2021-04-13 09:54:48 | 2021-04-15 05:35:20 |
| -1 | 1122 | 0 | FE0013 | 2021-04-15 05:35:20 | 2021-04-15 05:35:20 |
This endpoint returns the same transactions as the All Transactions screen of the CST.
| amt | auth_id | prior_id | trans_code | source_id | rolling_balance | credit_ind | auth_ts | post_ts |
|---|
| -63 | 2244 | 0 | DBW | 2244 | 937 | N | 2021-04-13 09:54:48 | 2021-04-13 09:54:48 |
| 63 | None | None | BDW | 2244 | 1000 | None | None | 2021-04-15 05:35:20 |
| -62 | 2244 | 0 | SDW | 2244 | 938 | N | 2021-04-13 09:54:48 | 2021-04-15 05:35:20 |
| -1 | 2244 | 0 | FE0013 | 1122 | 937 | None | 2021-04-15 05:35:20 | 2021-04-15 05:35:20 |
