A cardholder withdraws $60 from a domestic ATM. The ATM operator charges a $3 fee and the issuer charges $2.50.
When simulating ATM fees, you must first set up the fee in your product settings: ATD for domestic and ATI for international. In the authorization request, add the operator fee to `amount
` but do not include your own fee—the simulator will add it automatically. You must also include the PIN for the card.
This example is similar to <a href="doc:card-transaction-examples#atm-withdrawal" target="_blank">ATM withdrawal</a> in _Card Transaction Examples_, except that these network codes correspond to the Visa credit network. In <<glossary:Production>>, an ATM transaction is almost never routed over credit (signature) rails but instead goes over interbank (PIN) or dedicated ATM rails. See <a href="page:scenario-11-atm-withdrawal" target="_blank">Scenario 11: ATM Withdrawal</a> and <a href="page:scenario-12-atm-reversal" target="_blank">Scenario 12: ATM Reversal</a> for examples from Production.
### Authorization
Call <a href="ref:post_createsimulatedcardauth" target="_blank">Create Simulated Card Authorization</a> with these parameters.
Parameter | Value |
`accountNo ` | <<glossary:PAN>> or <<glossary:PRN>> |
`amount ` | `63 ` |
`association ` | `visa ` |
`merchantName ` | `Northern ATM ` |
`mcc ` | `6011 ` |
`specialFunctions ` | `add_pin ` |
`pin ` | Card PIN |
`transType ` | `11 ` |
Capture the `auth_id
` for later use.
#### View the authorization
Call <a href="ref:post_getauthhistory" target="_blank">Get Authorization History</a> to view the authorization. The `amount
` field contains the original $63 plus the issuer's $2.50 domestic ATM fee, whereas `local_amt
` does not include issuer fees.
### Settlement
Call <a href="ref:post_createsimulatedcardsettle" target="_blank">Create Simulated Card Settlement</a> with these parameters:
Parameter | Value |
`authId ` | `auth_id ` from the authorization response |
`accountNo ` | PRN or PAN |
`association ` | `visa ` |
`amount ` | _blank_ |
### Transactions created
Call <a href="ref:post_getalltranshistory" target="_blank">Get All Transaction History</a> to see the ledger entries in reverse chronological order. When the settlement is posted, the issuer fee is posted separately as an `FE
` (fee) transaction.