BNPD: denied_auth_buy_now_pay_later

webhook

denied_auth_buy_now_pay_later

Mastercard denied an authorization request because the merchant does not support Mastercard's buy now, pay later (BNPL) program.

Trigger — Galileo receives advice from Mastercard to notify that the transaction was denied by Mastercard on Galileo’s behalf, because the merchant has opted out of the program.

Payload

amount

string

Amount of the transaction. Unsigned.

auth_id

string

System-generated ID for the authorization request. This ID is unique only per subnetwork.

auth_response_code

string

The code returned to the merchant to indicate whether the authorization request was approved or denied as well as the reason for the denial. DE039. See Authorization Response Codes for valid values. Legacy field: response_code.

available_balance

string

Amount available to spend at the time of the event. Legacy field: balance.

balance_id

string

The balance ID, also called the galileo_account_number. Legacy field: account_id.

cad

string

System-generated card ID, which has a 1:1 relationship with the PAN. Legacy field: card_id.

ds_transaction_id

string

BAUT only, Mastercard only. Directory server transaction ID. A UUID that the merchant passes in the authorization request to link 3DS authentication and authorization data. Mastercard DE048SE66SF2.

event_ts

string

Timestamp when the message was ingested by SoFi Tech Solutions (Mountain Standard Time). Format: "YYYY-MM-DD hh:mm:ss MST". Legacy fields: timestamp, tran_timestamp.

mcc

string

Merchant category code (DE018).

merchant_location

string

Merchant city and state (from remaining part of ISO DE043). Legacy field: merch_loc.

merchant_name

string

Merchant name (first 22 characters of DE043). Should not be used for matching; instead, use merchant_number. Legacy field: merch_name.

merchant_number

string

Merchant number (DE042). Legacy field: merch_num.

method

string

Event category. Indicates the type of event.

msg_event_id

string

Unique system-generated identifier for this message.

msg_id

string

The four-letter code to identify this event.

network

string

See Events Network Codes for possible values.

prn

string

SoFi Tech Solutions 12-digit payment reference number (PRN) for the account. Legacy field: pmt_ref_no.

prod_id

string

The product ID of the account.

prog_id

string

The program ID of the account.

rules_results

string

DENY-type rules as calculated by the SoFi Tech Solutions integrated fraud-detection processes. Legacy field: rules_denied.

source_id

string

Internal source record ID for this event.

type

string

The name of this event: "denied_auth_buy_now_pay_later"

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