International Transaction, Visa Simulation

A cardholder with a U.S. account makes an international purchase that comes to USD $23.50 at the time of authorization. At the time of settlement, the currency conversion rate has changed, and so it settles for USD $22.95.

When simulating an international transaction, the simulator might add an international transaction fee to the authorization amount, if the ITC fee is configured. For examples from Production, see Scenario 13: International Authorization and Scenario 14: International Reversal.

The simulator also cannot accept a value for currencyCode that is different from the currency of the account. For example, if the account is based in the United States, you can leave currencyCode blank, because it defaults to 840 (U.S. dollar). On the other hand, if you are simulating transactions for Mexican accounts, you must pass currencyCode: 484 (Mexican peso). In all cases, if you specify a code that is different from the account's currency code, you will get an error.

If you populate settleAmount, settleCurrencyCode, cardBillingAmt, or cardBillingCurrencyCode, those values will be passed through in the authorization request but they do not affect the amount for authorizations or settlements. The simulator cannot convert amounts from one currency to another.

Authorization

Call Create Simulated Card Authorization with these parameters.

Parameter	Value
`accountNo`	PRN or PAN
`amount`	`23.50`
`association`	`visa`
`merchantName`	`Mercado Las Americas`
`mcc`	`5411`
`transType`	`10`

{
	"echo": {
    	"provider_timestamp": null,
    	"provider_transaction_id": "",
    	"transaction_id": "9f36abfb-50d7-4ca3-8034-85cb911ab0d2"
	},
	"processing_time": 1.755,
	"response_data": {
        	"auth_id": 9999,
        	"auth_response_code": "00",
        	"auth_response_description": "Success"
	},
	"rtoken": "35ad29a4-3945-42e0-91db-3e64d476e15e",
	"status": "Success",
	"status_code": 0,
	"system_timestamp": "2025-04-15 13:16:22"
}

Capture the auth_id for later use.

View the authorization

Call Get Authorization History to see the authorization.

{
	"status_code": 0,
	"status": "Success",
	"processing_time": 0.403,
	"response_data": {
    	"authorizations": [
        	{
            	"auth_id": "9999",
            	"details": "Mercado Las Americas   LT LAKE CITY UTUS",
            	"details_formatted": "MERCADO LAS AMERICAS, LT LAKE CITY, UT",
            	"amount": "-23.5",
            	"timestamp": "2025-04-15 13:16:22",
            	"type": "A",
            	"mcc": "5411",
            	"merchant_id": "lGKvbkUNJ4fmRjM",
            	"acq_id": "617316",
            	"terminal_id": "48172244",
            	"can_be_expired": "1",
            	"original_auth_id": "0",
            	"network_code": "V",
            	"local_amt": "000000002350",
            	"local_curr_code": "840",
            	"settle_amt": null,
            	"settle_curr_code": null,
            	"billing_amt": null,
            	"billing_curr_code": null
        	}
    	]
	},
	"echo": {
    	"provider_transaction_id": "",
    	"provider_timestamp": null,
    	"transaction_id": "7c794ae7-986b-499f-9719-27b6e68640b5"
	},
	"system_timestamp": "2025-04-15 13:17:39",
	"rtoken": "25b158de-1b3d-40ad-a35b-e9bee4d832b5"
}

Settlement

Call Create Simulated Card Settlement with these parameters:

Parameter	Value
`authId`	`auth_id` from the authorization response
`accountNo`	PRN or PAN
`association`	`visa`
`amount`	22.95

{
	"echo": {
    	"provider_timestamp": null,
    	"provider_transaction_id": "",
    	"transaction_id": "7a5a6be1-7f9a-4428-baa2-6a10beadac03"
	},
	"processing_time": 3.391,
	"response_data": {
    	"settle_dtl": 457,
    	"settle_response_code": "00",
    	"settle_response_description": "Success"
	},
	"rtoken": "f9c71a81-1d95-40f9-a15b-4ab054caf8c2",
	"status": "Success",
	"status_code": 0,
	"system_timestamp": "2025-04-15 13:18:22"
}

Transactions created

Call Get All Transaction History to see the ledger entries in reverse chronological order. Notice that after the authorization, calculated_balance: 976.5 but after the settlement it is 977.05, to reflect the different settlement amount.

    	"transactions": [
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": true,
            	"details": "Mercado Las Americas, LT LAKE CITY, UTUS",
            	"act_type": "VS",
            	"act_type_description": "Visa Settlement",
            	"post_ts": "2025-04-15 13:18:21",
            	"amt": -22.95,
            	"source_id": "9999",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "VSA",
            	"arn": "16173165105900879008793",
            	"merchant_id": "lGKvbkUNJ4fmRjM",
            	"external_trans_id": "",
            	"calculated_balance": 977.05,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:16:22",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "MERCADO LAS AMERICAS, L, T LAKE CITY, UT",
            	"network_code": "V",
            	"auth_id": "9999",
            	"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",
            	"credit_ind": "Y",
            	"mcc_code": "5411"
        	},
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": false,
            	"details": "Mercado Las Americas, LT LAKE CITY, UTUS",
            	"act_type": "BV",
            	"act_type_description": "Visa Authorization Backout",
            	"post_ts": "2025-04-15 13:18:21",
            	"amt": 23.5,
            	"source_id": "9999",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "BVA",
            	"arn": "16173165105900879008793",
            	"merchant_id": "lGKvbkUNJ4fmRjM",
            	"external_trans_id": "",
            	"calculated_balance": 1000,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:16:22",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "MERCADO LAS AMERICAS, L, T LAKE CITY, UT",
            	"network_code": "V",
            	"auth_id": "9999",
            	"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",
            	"credit_ind": "Y",
            	"mcc_code": "5411"
        	},
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": false,
            	"details": "Mercado Las Americas, LT LAKE CITY, UTUS",
            	"act_type": "VI",
            	"act_type_description": "Visa Authorization",
            	"post_ts": "2025-04-15 13:16:22",
            	"amt": -23.5,
            	"source_id": "9999",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "VIA",
            	"arn": "",
            	"merchant_id": "lGKvbkUNJ4fmRjM",
            	"external_trans_id": "",
            	"calculated_balance": 976.5,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:16:22",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "MERCADO LAS AMERICAS, L, T LAKE CITY, UT",
            	"network_code": "V",
            	"auth_id": "9999",
            	"local_amt": 23.5,
            	"local_curr_code": "840",
            	"settle_amt": 0,
            	"settle_curr_code": null,
            	"billing_amt": null,
            	"billing_curr_code": null,
            	"pmt_ref_no": "999102163165",
            	"credit_ind": "Y",
            	"mcc_code": "5411"
        	}
    	]