Scenario 13: International Authorization
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A debit cardholder purchases $300 worth of goods in a gift shop in Salvador, Brazil. The following are true:
- The initial available balance is $1000.
- The merchant validates the debit card with a signature.
- The network is Mastercard Banknet.
- The authorization and settlement amounts are in dollars, converted from the foreign currency.
Sequence of events
Events in the same step have the same timestamp.
- Mastercard sends an authorization request for –300.00.
- SoFi Tech Solutions approves the request and places a 300.00 hold on the cardholder account. The available balance is now 700.00. SoFi Tech Solutions sends a
BAUT: authevent message. - Mastercard sends a batch file with –303.00 as the settlement amount, which is different from the authorization amount because of fluctuations in the currency conversion rate.
- SoFi Tech Solutions backs out the 300.00 hold and posts –303.00 to the account. The available balance is now 697.00. SoFi Tech Solutions sends a
SETL: setlevent message.
Transactions
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 API
| auth_type | transaction_type | trans_amount | auth_id | original_id | available_funds | timestamp |
|---|---|---|---|---|---|---|
| Auth | Auth | 300.00 | 4444 | 0 | 1000 | 20210413:115944MST |
Authorization/Settlement Events
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|
| BAUT | auth | 300 | 4444 | 0 | 700 | 2021-04-13 11:59:44 MST |
| SETL | setl | 303 | 4444 | 0 | 697 | 2021-04-14 09:11:13 MST |
Authorized Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|---|---|---|---|
| -300.00 | 4444 | 5 | 0 | 2021-04-13 11:59:44 |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|
| -303.00 | 4444 | SE5 | 4444 | 2021-04-13 11:59:44 | 2021-04-14 09:11:13 |
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. The local_amt field contains the sale amount in Brazilian Reals.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|---|---|---|---|---|
| -300 | 4444 | 0 | A | 000000156771 | 2021-04-13 11:59:44 |
Get Transaction History response
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 |
|---|---|---|---|---|---|
| -303 | 4444 | 0 | SE5 | 2021-04-13 11:59:44 | 2021-04-14 09:11:13 |
Get All Transaction History response
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 |
|---|---|---|---|---|---|---|---|---|
| -300 | 4444 | 0 | AUA | 4444 | 700 | Y | 2021-04-13 11:59:44 | 2021-04-13 11:59:44 |
| 300 | None | 0 | BO5 | 4444 | 1000 | None | None | 2021-04-14 09:11:13 |
| -303 | 4444 | 0 | SE5 | 4444 | 697 | Y | 2021-04-13 11:59:44 | 2021-04-14 09:11:13 |