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 <a href="doc:card-transaction-examples#three-step-sequence" target="_blank">Three-step sequence</a> in _Card Transaction Examples_. Also see <a href="page:scenario-1-authorization-with-settlement" target="_blank">Scenario 1: Authorization with Settlement</a>.
### 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` | `30` |
`association` | `mc_auth` or `visa` |
`merchantName` | `Central Market` |
`mcc` | `5399` |
`transType` | `1` or leave blank |
Capture the `auth_id` for later use.
#### View the authorization
Call <a href="ref:post_getauthhistory" target="_blank">Get Authorization History</a> to see the authorization:
### 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` | PAN or PRN |
`association` | `visa` or `mc_auth` |
`amount` | `30` or leave blank |
The `settle_dtl` (settlement detail) value can be used for troubleshooting with Galileo.
### Transactions created
Call <a href="ref:post_getalltranshistory" target="_blank">Get All Transaction History</a> to see the three ledger entries, in reverse chronological order.