Visa Money Transfer Simulation

A cardholder cashes out $50 received from a peer-to-peer cash-transfer app.

This a similar transaction to Scenario 21: Card Load (Visa). However, the transaction in Scenario 21 is a Visa Money Transfer with trans_code: PMVH, whereas this is a Visa Money Transfer with trans_code: PMVT.

Prerequisites

Before performing this simulation, you must have the VSALD product parameter enabled.

Authorization

Call Create Simulated Card Authorization with these parameters:

Parameter	Value
`accountNo`	PAN or PRN
`amount`	`50`
`association`	`visa`
`merchantName`	`DollarSend App`
`mcc`	`6051`
`transType`	`8`

{
	"echo": {
    	    "provider_timestamp": null,
    	    "provider_transaction_id": "",
    	    "transaction_id": "472a0682-f594-4fd5-a2b3-d995f9fe4fc0"
	},
	"processing_time": 4.564,
	"response_data": {
    	    "auth_id": 222,
    	    "auth_response_code": "00",
    	    "auth_response_description": "Success"
	},
	"rtoken": "71866ac2-fc6d-45d1-b22f-65c424b3b7e6",
	"status": "Success",
	"status_code": 0,
	"system_timestamp": "2025-02-26 14:40:13"
}

View the authorization

Call Get Authorization History to see the authorization:

{
	"status_code": 0,
	"status": "Success",
	"processing_time": 0.388,
	"response_data": {
    	    "authorizations": []
	},
	"echo": {
    	    "provider_transaction_id": "",
    	    "provider_timestamp": null,
    	    "transaction_id": "640dd87c-2010-43e0-9351-ec25168e20ba"
	},
	"system_timestamp": "2025-02-26 14:41:12",
	"rtoken": "720f35d1-af5b-4add-a503-1d2218e24be2"
}

Card loads in the authorizations table are created in status: T, and Get Authorization History does not return entries in this status, neither in CV nor in Production.

Settlement

If you call Create Simulated Card Settlement with the auth_id from the simulated auth, the endpoint will return this error: 544-03: Authorization is already settled or in the wrong status.

Because the card load is in status: T, the simulator cannot settle it. This is different from how card loads operate in Production. In Production, the settlement batch file, which arrives a day or two after the card load authorization, settles the card load, and Galileo sends the SETL: setl event message.

Transaction created

Call Get All Transaction History to see the ledger entry.

transactions:[
    	{
            	"is_savings": false,
            	"deny_code": null,
            	"disputable": false,
            	"details": "Visa Money Transfer",
            	"act_type": "PM",
            	"act_type_description": "Payment",
            	"post_ts": "2025-02-26 14:40:13",
            	"amt": 50,
            	"source_id": "222",
            	"type": "VT",
            	"type_description": "Visa Money Transfer",
            	"trans_code": "PMVT",
            	"arn": "",
            	"merchant_id": null,
            	"external_trans_id": "",
            	"calculated_balance": 1100,
            	"ach_trans_id": null,
            	"auth_ts": "2025-02-26 14:40:13",
            	"prior_id": "0",
            	"card_id": "254",
            	"formatted_merchant_desc": null,
            	"network_code": "?",
            	"auth_id": "222",
            	"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": null,
            	"mcc_code": null
    	}
  ]