Three-Step Sequence Simulation

A debit cardholder makes a $30 purchase at a retail establishment without inputting a PIN. The transaction is later settled for the full amount. This is the same transaction shown in Three-step sequence in Card Transaction Examples. Also see Scenario 1: Authorization with Settlement.

Authorization

Call Create Simulated Card Authorization with these parameters:

Parameter	Value
`accountNo`	PAN or PRN
`amount`	`30`
`association`	`mc_auth` or `visa`
`merchantName`	`Central Market`
`mcc`	`5399`
`transType`	`1` or leave blank

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 1.681,
    "response_data": {
        "auth_response_code": "00",
        "auth_response_description": "Success",
        "auth_id": 2233
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "9f3aa0db-06f8-4e0d-a202-e31d349c77aa"
    },
    "system_timestamp": "2022-10-10 08:32:14",
    "rtoken": "fb599ae2-b0ee-4255-b2f1-6fdef1266462"
}

Capture the auth_id for later use.

View the authorization

Call Get Authorization History to see the authorization:

"authorizations": [
            {
                "auth_id": "2233",
                "details": "Central Market         LT LAKE CITY UTUS",
                "details_formatted": "CENTRAL MARKET, LT LAKE CITY, UT",
                "amount": "-30",
                "timestamp": "2022-10-10 08:32:14",
                "type": "A",
                "mcc": "5399",
                "merchant_id": "tqJWttRLcDH2xG8",
                "acq_id": "646235",
                "terminal_id": "84556025",
                "can_be_expired": "1",
                "original_auth_id": "0",
                "network_code": "V",
                "local_amt": "000000003000",
                "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 authorization response
`accountNo`	PAN or PRN
`association`	`visa` or `mc_auth`
`amount`	`30` or leave blank

{
    "status_code": 0,
    "status": "Success",
    "processing_time": 6.505,
    "response_data": {
        "settle_response_code": "00",
        "settle_response_description": "Success",
        "settle_dtl": 701
    },
    "echo": {
        "provider_transaction_id": "",
        "provider_timestamp": null,
        "transaction_id": "a811457f-e0a3-4485-abb5-ab09bd3aca35"
    },
    "system_timestamp": "2022-10-10 08:38:59",
    "rtoken": "9f6f90f0-a85d-4594-86fd-bf1d1b3ec51c"
}

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.

"transactions": [
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": true,
                "details": "Central Market, LT LAKE CITY, UTUS",
                "act_type": "VS",
                "act_type_description": "Visa Settlement",
                "post_ts": "2022-10-10 08:38:57",
                "amt": -30,
                "source_id": "2233",
                "type": "A",
                "type_description": "",
                "trans_code": "VSA",
                "arn": "06462352283422745227458",
                "merchant_id": "tqJWttRLcDH2xG8",
                "external_trans_id": "",
                "calculated_balance": 970,
                "ach_trans_id": null,
                "auth_ts": "2022-10-10 08:32:14",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL MARKET, 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",
                "mcc_code": "5399",
                "credit_ind": "Y"
            },
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": false,
                "details": "Central Market, LT LAKE CITY, UTUS",
                "act_type": "BV",
                "act_type_description": "Visa Authorization Backout",
                "post_ts": "2022-10-10 08:38:57",
                "amt": 30,
                "source_id": "2233",
                "type": "A",
                "type_description": "",
                "trans_code": "BVA",
                "arn": "06462352283422745227458",
                "merchant_id": "tqJWttRLcDH2xG8",
                "external_trans_id": "",
                "calculated_balance": 1000,
                "ach_trans_id": null,
                "auth_ts": "2022-10-10 08:32:14",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL MARKET, 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",
                "mcc_code": "5399",
                "credit_ind": "Y"
            },
            {
                "is_savings": false,
                "deny_code": null,
                "disputable": false,
                "details": "Central Market, LT LAKE CITY, UTUS",
                "act_type": "VI",
                "act_type_description": "Visa Authorization",
                "post_ts": "2022-10-10 08:32:14",
                "amt": -30,
                "source_id": "2233",
                "type": "A",
                "type_description": "",
                "trans_code": "VIA",
                "arn": "",
                "merchant_id": "tqJWttRLcDH2xG8",
                "external_trans_id": "",
                "calculated_balance": 970,
                "ach_trans_id": null,
                "auth_ts": "2022-10-10 08:32:14",
                "prior_id": "0",
                "card_id": "5530",
                "formatted_merchant_desc": "CENTRAL MARKET, LT LAKE CITY, UTUS",
                "network_code": "V",
                "auth_id": "2233",
                "local_amt": 30,
                "local_curr_code": "840",
                "settle_amt": 0,
                "settle_curr_code": null,
                "billing_amt": null,
                "billing_curr_code": null,
                "pmt_ref_no": "999102163165",
                "mcc_code": "5399",
                "credit_ind": "Y"
            }
        ]