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A debit cardholder has a credit-builder account on another platform. The cardholder pulls $135 from the SoFi Tech Solutions-based account into their credit-builder account as an AFT. The following are true:
- The initial available balance is $1000.
- The network is Visa.
- This is an incoming AFT.
Events in the same step have the same timestamp.
- Visa sends a preauthorization request for –135.00 over network rails.
- SoFi Tech Solutions approves the preauthorization and puts a –135.00 hold on the account. The available balance is now 865.00. SoFi Tech Solutions sends the
BAUT: auth event message.
- The credit-builder account platform sends a completion for –135.00.
- SoFi Tech Solutions backs out the 135.00 preauthorization hold and replaces it with a 135.00 completion hold. The available balance is still 865.00. SoFi Tech Solutions sends the
AAAU: auth event message.
- Visa sends a batch file with the –135.00 transaction.
- SoFi Tech Solutions backs out the 135.00 completion and posts –135.00 to the account. The available balance is still 865.00. 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 | Preauth | 135.00 | 4422 | 0 | 1000 | 20231025:034632MST |
| Advice | Auth | 135.00 | 4433 | 4422 | 865 | 20231025:070503MST |
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|
| BAUT | auth | 135 | 4422 | 0 | 865 | 2023-10-25 03:46:32 MST |
| AAAU | auth | 135 | 4433 | 4422 | 865 | 2023-10-25 07:05:03 MST |
| SETL | setl | 135 | 4433 | 4422 | 865 | 2023-10-26 10:39:55 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME | AUTH TRANSACTION CODE | BAI |
|---|
| -135 | 4422 | 30 | 0 | 2023-10-25 03:46:32 | VIP | AA |
| -135 | 4433 | 30 | 4422 | 2023-10-25 07:05:03 | VIC | AA |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | REVERSAL ID | TRANSACTION DATE/TIME | POST DATE | IS AFT TRANSACTION |
|---|
| -135 | 4433 | VSC | 4422 | 2023-10-25 07:05:03 | 2023-10-26 10:39:55 | Y |
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This example shows both the authorization and completion; however, in Production you would get only the most recent transaction.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|
| -135 | 4422 | 0 | P | 000000013500 | 2023-10-25 03:46:32 |
| -135 | 4433 | 4422 | C | 000000013500 | 2023-10-25 07:05:03 |
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 |
|---|
| -135 | 4433 | 4422 | VSC | 2023-10-25 03:46:32 | 2023-10-26 10:39:55 |
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 |
|---|
| -135 | 4422 | 0 | VIP | 4422 | 865.00 | Y | 2023-10-25 03:46:32 | 2023-10-25 03:46:32 |
| 135 | None | None | PVPV | 4422 | 1000.00 | None | None | 2023-10-25 07:05:03 |
| -135 | 4433 | 4422 | VIC | 4433 | 865.00 | Y | 2023-10-25 03:46:32 | 2023-10-25 07:05:03 |
| 135 | 4433 | 4422 | BVC | 4433 | 1000.00 | Y | 2023-10-25 03:46:32 | 2023-10-26 10:39:55 |
| -135 | 4433 | 4422 | VSC | 4433 | 865.00 | Y | 2023-10-25 03:46:32 | 2023-10-26 10:39:55 |
