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A debit cardholder purchases $250 worth of goods at a gift shop in Barcelona, Spain. A little while later the cardholder returns one $50 item to the shop. The shop refunds $50 to the cardholder on the card that was used to make the purchase. 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 cardholder returned the item before the transaction cleared.
- The authorization and settlement amounts are in dollars, converted from the foreign currency.
Events in the same step have the same timestamp.
- Mastercard sends an authorization request for –250.00.
- SoFi Tech Solutions approves the request and places a 250.00 hold on the cardholder account. The available balance is now 750.00. SoFi Tech Solutions sends a
BAUT: auth event message.
- The merchant sends an authorization reversal for 50.00.
- SoFi Tech Solutions removes 50.00 from the hold. The available balance is now 800.00. SoFi Tech Solutions sends an
AAAU: auth event message.
- Mastercard sends a batch file with –202.00 as the settlement amount, after applying currency conversion to the remaining 200.00.
- SoFi Tech Solutions expires the 50.00 reversal and sends a
BEXR: auth_exp_reversal event message.
- SoFi Tech Solutions backs out the 250.00 hold and posts –202.00 to the account. The available balance is now 798.00. SoFi Tech Solutions sends a
SETL: setl event message.
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 | Auth | 250.00 | 2255 | 0 | 1000 | 20210414:041846MST |
| Reversal | Auth | 50.00 | 4400 | 2255 | 750 | 20210414:045716MST |
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|
| BAUT | auth | 250 | 2255 | 0 | 750 | 2021-04-14 04:18:46 MST |
| AAAU | auth | 50 | 4400 | 2255 | 800 | 2021-04-14 04:57:16 MST |
| BEXR | auth_exp_reversal | 50 | 4400 | 2255 | 750 | 2021-04-14 09:06:23 MST |
| SETL | setl | 202 | 2255 | 0 | 798 | 2021-04-14 09:09:57 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|
| -250.00 | 2255 | 5 | 0 | 2021-04-14 04:18:46 |
| 50.00 | 4400 | 5 | 2255 | 2021-04-14 04:57:16 |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|
| -202.00 | 2255 | SE5 | 2255 | 2021-04-14 09:09:57 | 2021-04-14 09:09:57 |
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This table shows both the authorization and the reversal; however, in Production only the most recent transaction is returned. The local_amt field contains the sale amount in Euros.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|
| -250 | 2255 | 0 | A | 000000023723 | 2021-04-14 04:18:46 |
| 50 | 4400 | 0 | R | 000000004745 | 2021-04-14 04:57:16 |
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 |
|---|
| -202 | 2255 | 0 | SE5 | 2021-04-14 04:18:46 | 2021-04-14 09:09:57 |
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 |
|---|
| -250 | 2255 | 0 | AUA | 2255 | 750 | Y | 2021-04-14 04:18:46 | 2021-04-14 04:18:46 |
| 50 | 4400 | 2255 | AUR | 4400 | 800 | Y | 2021-04-14 04:57:16 | 2021-04-14 04:57:16 |
| -50 | None | None | EXR | 4400 | 750 | None | None | 2021-04-14 09:06:23 |
| 250 | None | None | BO5 | 2255 | 1000 | None | None | 2021-04-14 09:09:57 |
| -202 | 2255 | 0 | SE5 | 2255 | 798 | Y | 2021-04-14 04:18:46 | 2021-04-14 09:09:57 |
