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A debit cardholder purchases several items at a home-improvement store for $150. The next day, the cardholder returns one $40 item to the store. The merchant accepts the return and refunds $40 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 PIN.
- The network is Visa Interlink.
- The cardholder returned the item after the transaction cleared.
Events in the same step have the same timestamp.
- Visa sends an authorization request for –150.00.
- SoFi Tech Solutions approves the request and places a 150.00 hold on the account. The available balance is now 850.00. SoFi Tech Solutions sends the
BAUT: auth event message.
- Visa sends a batch file that contains the –150.00 transaction.
- SoFi Tech Solutions backs out the 150.00 hold and posts –150.00 to the account. The available balance is still 850.00. SoFi Tech Solutions sends a
SETL: setl event message.
- Visa sends a merchant credit authorization request for 40.00.
- SoFi Tech Solutions approves the request but does not credit the account yet. The available balance is still 850.00.
- Visa sends a batch file that contains the 40.00 credit. SoFi Tech Solutions creates authorization and backout entries for the ledger and credits 40.00 to the account. The available balance is now 890.00. 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 | 150.00 | 7788 | 0 | 1000 | 20210411:115310MST |
| Auth | Merchant Credit | 40.00 | 9944 | 0 | 850 | 20210412:145448MST |
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|
| BAUT | auth | 150 | 7788 | 0 | 850 | 2021-04-11 11:53:10 MST |
| SETL | setl | 150 | 7788 | 0 | 850 | 2021-04-12 13:46:02 MST |
| SETL | setl | 40 | 9944 | 0 | 890 | 2021-04-12 14:54:48 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|
| -150.00 | 7788 | 5 | 0 | 2021-04-11 11:53:10 |
| 40.00 | 9944 | 6 | 0 | 2021-04-12 14:54:48 |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|
| -150.00 | 7788 | ISA | 7788 | 2021-04-11 11:53:10 | 2021-04-12 13:46:02 |
| 40.00 | 9944 | ISZ | 9944 | 2021-04-12 14:54:48 | 2021-04-13 14:10:39 |
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|
| -150 | 7788 | 0 | A | 000000015000 | 2021-04-11 11:53:10 |
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 |
|---|
| -150 | 7788 | 0 | ISA | 2021-04-11 11:53:10 | 2021-04-12 13:46:02 |
| 40 | 9944 | 0 | ISZ | 2021-04-12 14:54:48 | 2021-04-13 14:10:39 |
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 |
|---|
| -150 | 7788 | 0 | VIA | 7788 | 850 | N | 2021-04-11 11:53:10 | 2021-04-11 11:53:10 |
| 150 | 7788 | 0 | BVA | 7788 | 1000 | N | None | 2021-04-12 13:46:02 |
| -150 | 7788 | 0 | ISA | 7788 | 850 | N | 2021-04-11 11:53:10 | 2021-04-12 13:46:02 |
| 40 | 9944 | 0 | VIZ | 9944 | 890 | N | 2021-04-12 14:54:48 | 2021-04-13 14:10:39 |
| -40 | 9944 | 0 | BVZ | 9944 | 850 | N | None | 2021-04-13 14:10:39 |
| 40 | 9944 | 0 | ISZ | 9944 | 890 | N | 2021-04-12 14:54:48 | 2021-04-13 14:10:39 |
