Scenario 10: Merchant Credit (Visa)
A debit cardholder is unhappy with services received from a merchant. The merchant credits $100 to the cardholder as compensation. The following are true:
- The initial available balance is $1000.
- The merchant validates the debit card with a signature.
- The network Visa.
Sequence of events
Events in the same step have the same timestamp.
- Visa sends a merchant credit authorization request for 100.00.
- Galileo approves the request but does not credit the account yet.
- Visa sends a clearing file that contains the 100.00 credit.
- Galileo creates authorization and backout transactions for the ledger and then credits 100.00 to the account. The available balance is now 1100.00. Galileo sends a
SETL: setlevent message.
Transactions
These tables show how the transactions are represented by various Galileo systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.
Auth API
| auth_type | transaction_type | trans_amount | auth_id | original_id | available_funds | timestamp |
|---|---|---|---|---|---|---|
| Auth | Merchant Credit | 100.00 | 7733 | 0 | 1000 | 20210616:092815MST |
Authorization/Settlement Events
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|
| SETL | setl | 100 | 7733 | 0 | 1100 | 2021-06-18 05:58:02 MST |
Authorized Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|---|---|---|---|
| 100.00+ | 7733 | 6 | 0 | 2021-06-16 09:28:15 |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|
| 100.00+ | 7733 | VSZ | 7733 | 2021-06-16 09:28:15 | 2021-06-18 05:58:02 |
Get Authorization History response
This transaction is not returned by this endpoint.
Get Transaction History response
This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.
| amt | source_id | original_auth_id | trans_code | auth_ts | post_ts |
|---|---|---|---|---|---|
| 100 | 7733 | 0 | ISZ | 2021-06-16 09:28:15 | 2021-06-18 05:58:02 |
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
| amt | auth_id | prior_id | trans_code | source_id | calculated_balance | credit_ind | auth_ts | post_ts |
|---|---|---|---|---|---|---|---|---|
| 100 | 7733 | 0 | VIZ | 7733 | 1100 | Y | 2021-06-16 09:28:15 | 2021-06-16 09:28:15 |
| -100 | 7733 | 0 | BVZ | 7733 | 1000 | Y | None | 2021-06-18 05:58:02 |
| 100 | 7733 | 0 | VSZ | 7733 | 1100 | Y | 2021-06-16 09:28:15 | 2021-06-18 05:58:02 |