A debit cardholder goes to an ATM and makes a balance inquiry, and then inputs $60 as the withdrawal amount. The ATM dispenses three $20 bills. The following are true:
The initial available balance is $1000.
The ATM validates the debit card with a PIN.
The ATM operator charges a $2 fee.
The card issuer charges a $1 fee.
The network is Maestro Debit Switch.
Sequence of events
Events in the same step have the same timestamp.
Mastercard sends a balance inquiry, and Galileo responds with the balance. Galileo sends an AABI: bal event message.
Mastercard sends an authorization request for –62.00 and Galileo adds a –1.00 fee.
Galileo approves the request and places a 63.00 hold on the cardholder account. The available balance is now 937.00. Galileo sends a BAUT: auth.
Mastercard sends a batch file that contains the –62.00 transaction.
Galileo backs out the 63.00 hold and posts –62.00 to the account plus the –1.00 fee. The available balance is still 937.00. Galileo sends SETL: setl and BFEE:fee event messages.
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
Balance Inquiry
0.00
2211
0
1000
20210413:095359MST
Auth
ATM
63
2244
0.00
1000
20210413:095448MST
Authorization/Settlement Events
msg_id
type
amount
auth_id
original_auth_id
open_to_buy
timestamp
AABI
bal
0
2211
0
1000
2021-04-13 09:53:59 MST
BAUT
auth
63
2244
0
937
2021-04-13 09:54:48 MST
SETL
setl
62
2244
0
938
2021-04-15 05:35:20 MST
BFEE
fee
1
1122
0
937
2021-04-15 05:35:20 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
0.00+
2211
10
0
2021-04-13 09:53:59
63.00-
2244
9
0
2021-04-13 09:54:48
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
SOURCE ID
TRANSACTION DATE/TIME
POST DATE
62.00-
2244
SDW
2244
2021-04-13 09:54:48
2021-04-15 05:35:20
1.00-
1122
FE0013
1122
2021-04-13 09:54:48
2021-04-15 05:35:20
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. The local_amt does not include the issuer fee.
amt
auth_id
original_auth_id
type
local_amt
timestamp
-63
2244
0
W
000000006200
2021-04-13 09:54:48
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
-62
2244
0
SDW
2021-04-13 09:54:48
2021-04-15 05:35:20
-1
1122
0
FE0013
2021-04-15 05:35:20
2021-04-15 05:35:20
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
