Scenario 18: Real-Time Funding
For more RTF scenarios, see Real-Time Funding Transaction Examples.
A company has set up a real-time funding (RTF) source account and has issued a number of RTF spending accounts that are associated with it. An RTF spending cardholder makes a $45 purchase at a retail outlet. The following are true:
- The RTF funding account (PRN: 333333333333) has a $1000 available balance.
- The RTF spending account (PRN: 777777777777) has a $0 available balance.
- The network is Mastercard Debit Switch (Maestro).
Sequence of events
Events in the same step have the same timestamp.
- Mastercard sends an authorization request for –45.00.
- Galileo moves 45.00 from the RTF funding account to the RTF spending account. The RTF funding account now has an available balance of 955.00 and the RTF spending account has an available balance of 45.00. Galileo approves the authorization request and puts a 45.00 hold on the RTF spending account. The RTF spending account now has an available balance of 0.00. Galileo sends the
BAUT: authevent message. - Two days later, Maestro sends a settlement batch file with the –45.00 transaction.
- Galileo backs out the 45.00 hold and posts –45.00 to the RTF spending account. The RTF spending account still has an available balance of 0.00 and the RTF funding account still has a 955.00 balance. Galileo sends the
SETL: setlevent message.
Transactions
These tables show how the transactions are represented by various Galileo systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.
Auth API
| auth_type | transaction_type | trans_amount | auth_id | original_id | available_funds | timestamp |
|---|---|---|---|---|---|---|
| Auth | Auth | 45.00 | 3300 | 0 | 45 | 20210414:141529MST |
Authorization/Settlement Events webhooks
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|
| BAUT | auth | 45 | 3300 | 0 | 0 | 2021-04-14 14:15:29 MST |
| SETL | setl | 45 | 3300 | 0 | 0 | 2021-04-16 06:16:30 MST |
Authorized Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | PRN | TRANSACTION DATE/TIME |
|---|---|---|---|---|---|
| 45.00- | 3300 | 5 | 0 | 777777777777 | 2021-04-14 14:15:29 |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | PRN | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|---|
| 45.00- | 4477 | ADFY | 4477 | 333333333333 | 2021-04-14 14:15:29 | 2021-04-14 14:15:29 |
| 45.00+ | 4478 | ADSY | 4478 | 777777777777 | 2021-04-14 14:15:29 | 2021-04-14 14:15:29 |
| 45.00- | 3300 | SDA | 3300 | 777777777777 | 2021-04-1414:15:29 | 2021-04-16 06:16:30 |
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This endpoint does not return the RTF adjustments.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|---|---|---|---|---|
| -45 | 3300 | 0 | 5 | 000000004500 | 2021-04-14 14:15:29 |
Get Transaction History response
This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview. This endpoint does not return the RTF adjustments.
| amt | source_id | original_auth_id | trans_code | auth_ts | post_ts |
|---|---|---|---|---|---|
| -45 | 3300 | 0 | SDA | 2021-04-14 14:15:29 | 2021-04-16 06:16:30 |
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST. This is the response when accountNo is the RTF spending account.
| amt | auth_id | prior_id | trans_code | source_id | calculated_balance | credit_ind | auth_ts | post_ts |
|---|---|---|---|---|---|---|---|---|
| 45 | 3300 | None | ADSY | 4478 | 45 | None | 2021-04-14 14:15:29 | 2021-04-14 14:15:29 |
| -45 | 3300 | 0 | DBA | 3300 | 0 | N | 2021-04-14 14:15:29 | 2021-04-14 14:15:29 |
| 45 | None | None | BDA | 3300 | 45 | None | None | 2021-04-16 06:16:30 |
| -45 | 3300 | 0 | SDA | 3300 | 0 | N | 2021-04-14 14:15:29 | 2021-04-16 06:16:30 |