Three-Step Sequence Simulation

A debit cardholder dines at a restaurant and the check comes to $45. The cardholder adds a $10 tip. The card product has a 20% upcharge for restaurants. The transaction is later settled for $55. This is a similar transaction to the one shown in Scenario 1: Authorization with Settlement.

Authorization

Call Create Simulated Card Authorization with these parameters:

Parameter	Value
`accountNo`	PAN or PRN
`amount`	`45`
`association`	`mc_auth` or `visa`
`merchantName`	`Chartreuse Umbrella`
`mcc`	`5812`
`transType`	`1` or leave blank

{
	"echo": {
    	"provider_timestamp": null,
    	"provider_transaction_id": "",
    	"transaction_id": "b1536163-066a-44b9-8196-4bcd4323f779"
	},
	"processing_time": 1.226,
	"response_data": {
          	"auth_id": 2233,
          	"auth_response_code": "00",
          	"auth_response_description": "Success"
	},
	"rtoken": "71cdaf15-477a-43fa-a300-8e0414eabb96",
	"status": "Success",
	"status_code": 0,
	"system_timestamp": "2025-04-15 13:55:30"
}

Capture the auth_id for later use.

View the authorization

Call Get Authorization History to see the authorization. Notice that the local_amt shows the $45 bill, and the amount includes the 20% upcharge:

    	"authorizations": [
        	{
            	"auth_id": "2233",
            	"details": "Chartreuse Umbrella	LT LAKE CITY UTUS",
            	"details_formatted": "CHARTREUSE UMBRELLA, LT LAKE CITY, UT",
            	"amount": "-54",
            	"timestamp": "2025-04-15 13:55:30",
            	"type": "A",
            	"mcc": "5812",
            	"merchant_id": "7GRcbXbLdlrlkxX",
            	"acq_id": "114728",
            	"terminal_id": "26176547",
            	"can_be_expired": "1",
            	"original_auth_id": "0",
            	"network_code": "V",
            	"local_amt": "000000004500",
            	"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 to settle for the bill amount ($45) plus the tip ($10), which would be included in the settlement batch file:

Parameter	Value
`authId`	`auth_id` from the authorization response
`accountNo`	PAN or PRN
`association`	`visa` or `mc_auth`
`amount`	`55`

{
	"echo": {
    	"provider_timestamp": null,
    	"provider_transaction_id": "",
    	"transaction_id": "53b58a7b-fb9d-4908-8985-ce04ab75d2e4"
	},
	"processing_time": 3.394,
	"response_data": {
         	"settle_dtl": 459,
         	"settle_response_code": "00",
         	"settle_response_description": "Success"
	},
	"rtoken": "885856db-d5f3-4c0d-ad6c-79337685e991",
	"status": "Success",
	"status_code": 0,
	"system_timestamp": "2025-04-15 13:56:49"
}

The settle_dtl (settlement detail) value can be used for troubleshooting with Galileo.

Transactions created

Call Get All Transaction History to see the three ledger entries, in reverse chronological order. Notice that calculated_balance: 946 after the authorization, which reflects the 54.00 authorization hold, then the backout amount is 54.00, and then calculated_balance: 945 after the settlement.

    	"transactions": [
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": true,
            	"details": "Chartreuse Umbrella, LT LAKE CITY, UTUS",
            	"act_type": "VS",
            	"act_type_description": "Visa Settlement",
            	"post_ts": "2025-04-15 13:56:48",
            	"amt": -55,
            	"source_id": "2233",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "VSA",
            	"arn": "11147285105735125351253",
            	"merchant_id": "7GRcbXbLdlrlkxX",
            	"external_trans_id": "",
            	"calculated_balance": 945,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:55:30",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "CHARTREUSE UMBRELLA, LT LAKE CITY, UTUS",
            	"network_code": "V",
            	"auth_id": "2233",
            	"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": "5812"
        	},
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": false,
            	"details": "Chartreuse Umbrella, LT LAKE CITY, UTUS",
            	"act_type": "BV",
            	"act_type_description": "Visa Authorization Backout",
            	"post_ts": "2025-04-15 13:56:48",
            	"amt": 54,
            	"source_id": "2233",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "BVA",
            	"arn": "11147285105735125351253",
            	"merchant_id": "7GRcbXbLdlrlkxX",
            	"external_trans_id": "",
            	"calculated_balance": 1000,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:55:30",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "CHARTREUSE UMBRELLA, LT LAKE CITY, UTUS",
            	"network_code": "V",
            	"auth_id": "2233",
            	"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": "5812"
        	},
        	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": false,
            	"details": "Chartreuse Umbrella, LT LAKE CITY, UTUS",
            	"act_type": "VI",
            	"act_type_description": "Visa Authorization",
            	"post_ts": "2025-04-15 13:55:30",
            	"amt": -54,
            	"source_id": "2233",
            	"type": "A",
            	"type_description": "",
            	"trans_code": "VIA",
            	"arn": "",
            	"merchant_id": "7GRcbXbLdlrlkxX",
            	"external_trans_id": "",
            	"calculated_balance": 946,
            	"ach_trans_id": null,
            	"auth_ts": "2025-04-15 13:55:30",
            	"prior_id": "0",
            	"card_id": "1547",
            	"formatted_merchant_desc": "CHARTREUSE UMBRELLA, LT LAKE CITY, UTUS",
            	"network_code": "V",
            	"auth_id": "2233",
            	"local_amt": 45,
            	"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": "5812"
        	}
]