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A debit cardholder uses a mobile wallet's peer-to-peer function to send $300 to a friend, who does not accept the funds. The wallet provider refunds the $300 to the cardholder. The following are true:
- The initial available balance is $1000.
- The wallet provider has already validated the debit card.
- The network is Mastercard Banknet.
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 account. The available balance is now 700.00. SoFi Tech Solutions sends a
BAUT: auth event message.
- Mastercard sends a batch file with the –300.00 transaction.
- SoFi Tech Solutions backs out the 300.00 hold and posts –300.00 to the account. The available balance is still 700.00. SoFi Tech Solutions sends a
SETL: setl event message.
- Mastercard sends a clearing file with the 300.00 credit.
- SoFi Tech Solutions credits 300.00 to the account. The available balance is now 1000.00. SoFi Tech Solutions sends a
BADJ: adj 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 | 300.00 | 2200 | 0 | 1000 | 20210412:054330MST |
| msg_id | type | amount | auth_id | source_id | original_auth_id | open_to_buy | timestamp |
|---|
| BAUT | auth | 300 | 2200 | 2200 | 0 | 700 | 2021-04-12 05:43:30 MST |
| SETL | setl | 300 | 2200 | 2200 | 0 | 700 | 2021-04-13 09:45:32 MST |
| BADJ | adj | 300 | | 5511 | 0 | 1000 | 2021-04-14 09:06:14 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|
| -300.00 | 2200 | 5 | 0 | 2021-04-12 05:43:30 |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|
| -300.00 | 2200 | SE8 | 2200 | 2021-04-12 05:43:30 | 2021-04-13 09:45:32 |
| +300.00 | 5511 | ADC | 5511 | 2021-04-14 09:06:14 | 2021-04-14 09:06:14 |
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 |
|---|
| -300 | 2200 | 0 | A | 000000030000 | 2021-04-12 05:43:30 |
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 |
|---|
| -300 | 2200 | 0 | SE8 | 2021-04-12 05:43:30 | 2021-04-13 09:45:32 |
| 300 | 5511 | 0 | ADC | 2021-04-14 09:06:14 | 2021-04-14 09:06:14 |
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 | 2200 | 0 | AUA | 2200 | 700 | Y | 2021-04-12 05:43:30 | 2021-04-12 05:43:30 |
| 300 | None | None | BO8 | 2200 | 1000 | None | None | 2021-04-13 09:45:32 |
| -300 | 2200 | 0 | SE8 | 2200 | 700 | Y | 2021-04-12 05:43:30 | 2021-04-13 09:45:32 |
| 300 | None | 0 | ADC | 5511 | 1000 | None | 2021-04-14 09:06:14 | 2021-04-14 09:06:14 |
