Cashback Simulation

A cardholder makes a $45 purchase at a grocery store and requests $20 cash back. Before simulating this transaction type, verify that your product settings do not prohibit cashback transactions (such as the CASHB parameter). In the request, the amount should contain the purchase amount plus the cashback amount. For cashBack pass the amount to return in cash. This amount is visible in the cashback_amount field of the Auth API.

Authorization

Call Create Simulated Card Authorization with these parameters.

Parameter	Value
`accountNo`	PAN or PRN
`amount`	`65`
`association`	`visa` or `mc_auth`
`merchantName`	`Central Supermarket`
`mcc`	`5411`
`cashBack`	`20`
`specialFunctions`	`add_cashback` (Visa) `make_cashback` (Mastercard)
`transType`	`1` or leave blank

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 1.799,
    "response_data": {
        "auth_response_code": "00",
        "auth_response_description": "Success",
        "auth_id": 5544
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "790596d5-1fb8-48f2-958b-5d307ddc3bad"
    },
    "system_timestamp": "2022-10-11 15:12:17",
    "rtoken": "3c5c147a-0a1b-453f-b718-71c2b093c77e"
}

View the authorization

Call Get Authorization History to see the authorization. The amount and local_amt fields show the same amount.

"authorizations": [
            {
                "auth_id": "5544",
                "details": "Central Supermarket    LT LAKE CITY UTUS",
                "details_formatted": "CENTRAL SUPERMARKET, LT LAKE CITY, UT",
                "amount": "-65",
                "timestamp": "2022-10-11 15:12:17",
                "type": "A",
                "mcc": "5411",
                "merchant_id": "X7adaltrCVWxDKE",
                "acq_id": "727755",
                "terminal_id": "94463484",
                "can_be_expired": "1",
                "original_auth_id": "0",
                "network_code": "V",
                "local_amt": "000000006500",
                "local_curr_code": "840",
                "settle_amt": null,
                "settle_curr_code": null,
                "billing_amt": null,
                "billing_curr_code": null
            }
        ]

Settlement

Call Create Simulated Card Settlement with these parameters:

Parameter	Value
`authId`	`auth_id` from the previous authorization
`accountNo`	PAN or PRN
`amount`	`65` or leave blank
`association`	`visa` or `mc_auth`

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 5.494,
    "response_data": {
        "settle_response_code": "00",
        "settle_response_description": "Success",
        "settle_dtl": 806
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "e39d9881-dd7e-42a6-b19c-558d8a23c355"
    },
    "system_timestamp": "2022-10-11 15:16:21",
    "rtoken": "168b7a7b-0565-4c65-add5-0241c92a0eb3"
}

Transactions created

Call Get All Transaction History to see the three ledger entries:

"transactions": [
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": true,
                "details": "Central Supermarket, LT LAKE CITY, UTUS",
                "act_type": "VS",
                "act_type_description": "Visa Settlement",
                "post_ts": "2022-10-11 15:16:19",
                "amt": -65,
                "source_id": "5544",
                "type": "A",
                "type_description": "",
                "trans_code": "VSA",
                "arn": "17277552284855368553685",
                "merchant_id": "X7adaltrCVWxDKE",
                "external_trans_id": "",
                "calculated_balance": 935,
                "ach_trans_id": null,
                "auth_ts": "2022-10-11 15:12:17",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL SUPERMARKET, LT LAKE CITY, UTUS",
                "network_code": "V",
                "auth_id": "5544",
                "local_amt": null,
                "local_curr_code": null,
                "settle_amt": null,
                "settle_curr_code": null,
                "billing_amt": null,
                "billing_curr_code": null,
                "pmt_ref_no": "999102163165",
                "mcc_code": "5411",
                "credit_ind": "Y"
            },
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": false,
                "details": "Central Supermarket, LT LAKE CITY, UTUS",
                "act_type": "BV",
                "act_type_description": "Visa Authorization Backout",
                "post_ts": "2022-10-11 15:16:19",
                "amt": 65,
                "source_id": "5544",
                "type": "A",
                "type_description": "",
                "trans_code": "BVA",
                "arn": "17277552284855368553685",
                "merchant_id": "X7adaltrCVWxDKE",
                "external_trans_id": "",
                "calculated_balance": 1000,
                "ach_trans_id": null,
                "auth_ts": "2022-10-11 15:12:17",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL SUPERMARKET, LT LAKE CITY, UTUS",
                "network_code": "V",
                "auth_id": "5544",
                "local_amt": null,
                "local_curr_code": null,
                "settle_amt": null,
                "settle_curr_code": null,
                "billing_amt": null,
                "billing_curr_code": null,
                "pmt_ref_no": "999102163165",
                "mcc_code": "5411",
                "credit_ind": "Y"
            },
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": false,
                "details": "Central Supermarket, LT LAKE CITY, UTUS",
                "act_type": "VI",
                "act_type_description": "Visa Authorization",
                "post_ts": "2022-10-11 15:12:17",
                "amt": -65,
                "source_id": "5544",
                "type": "A",
                "type_description": "",
                "trans_code": "VIA",
                "arn": "",
                "merchant_id": "X7adaltrCVWxDKE",
                "external_trans_id": "",
                "calculated_balance": 935,
                "ach_trans_id": null,
                "auth_ts": "2022-10-11 15:12:17",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL SUPERMARKET, LT LAKE CITY, UTUS",
                "network_code": "V",
                "auth_id": "5544",
                "local_amt": 65,
                "local_curr_code": "840",
                "settle_amt": 0,
                "settle_curr_code": null,
                "billing_amt": null,
                "billing_curr_code": null,
                "pmt_ref_no": "999102163165",
                "mcc_code": "5411",
                "credit_ind": "Y"
            }
}