A debit cardholder purchases $250 worth of goods at a gift shop in Barcelona, Spain. A little while later the cardholder returns one $50 item to the shop. The shop refunds $50 to the cardholder on the card that was used to make the purchase. The following are true:
The initial available balance is $1000.
The merchant validates the debit card with a signature.
The network is Mastercard Banknet.
The cardholder returned the item before the transaction cleared.
The authorization and settlement amounts are in dollars, converted from the foreign currency.
Sequence of events
Events in the same step have the same timestamp.
Mastercard sends an authorization request for –250.00.
Galileo approves the request and places a 250.00 hold on the cardholder account. The available balance is now 750.00. Galileo sends a BAUT: auth webhook.
The merchant sends an authorization reversal for 50.00.
Galileo removes 50.00 from the hold. The available balance is now 800.00. Galileo sends an AAAU: auth webhook.
Mastercard sends a batch file with –202.00 as the settlement amount, after applying currency conversion to the remaining 200.00.
Galileo backs out the 250.00 hold and posts –202.00 to the account. The available balance is now 798.00. Galileo sends a SETL: setl webhook.
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
Auth
250.00
2255
0
1000
20210414:041846MST
Reversal
Auth
50.00
4400
0
750
20210414:045716MST
Authorization/Settlement Events webhooks
msg_id
type
amount
auth_id
original_auth_id
open_to_buy
timestamp
BAUT
auth
250
2255
0
750
2021-04-14 04:18:46 MST
AAAU
auth
50
4400
0
800
2021-04-14 04:57:16 MST
BEXR
auth_exp_reversal
50
4400
0
750
2021-04-14 09:06:23 MST
SETL
setl
202
2255
0
798
2021-04-14 09:09:57 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
250.00-
2255
5
0
04142021 04:18:46
50.00+
4400
5
2255
04142021 04:57:16
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
SOURCE ID
TRANSACTION DATE/TIME
POST DATE
202.00-
2255
SE5
2255
04142021 09:09:57
04142021
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This table shows both the authorization and the reversal; however, in Production only the most recent transaction is returned. The local_amt field contains the sale amount in Euros.
amt
auth_id
original_auth_id
type
local_amt
timestamp
-250
2255
0
A
000000023723
2021-04-14 04:18:46
50
4400
0
R
000000004745
2021-04-14 04:57:16
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
-202
2255
0
SE5
2021-04-14 04:18:46
2021-04-14 09:09:57
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
