Scenario 17: Card Load (Maestro)
A debit cardholder is a driver for a ride-share company and receives a $300 payment from the company in his debit account as a Maestro load. The following are true:
- The initial available balance is $1000.
- The network is Mastercard Debit.
Sequence of events
Events in the same step have the same timestamp.
- Mastercard sends a payment authorization for 300.00 over network rails.
- Galileo approves the authorization, converts the transaction into a payment, and posts 300.00 to the account. The available balance is now 1300.00. Galileo sends
BPMT: pmtandAAPM: auth_paymentwebhooks.
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 | Payment | 300.00 | 1133 | 0 | 1000 | 20210411:050429MST |
Authorization/Settlement Events webhooks
| msg_id | type | amount | auth_id | source_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|---|
| BPMT | pmt | 300 | 3377 | 1300 | 2021-04-11 05:04:29 MST | ||
| AAPM | auth_payment | 300 | 1133 | 0 | 1300 | 2021-04-11 05:04:29 MST |
Authorized Transactions RDF
The authorization amount is expressed as a negative number even though it's a payment into the cardholder account.
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|---|---|---|---|
| 300.00- | 1133 | 28 | 0 | 04112021 05:04:29 |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|
| 300.00+ | 1133 | PMMX | 3377 | 04112021 05:04:29 | 04112021 |
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 |
|---|---|---|---|---|---|
| 300 | 1133 | 0 | PMMX | 2021-04-11 05:04:29 | 2021-04-11 05:04:29 |
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 |
|---|---|---|---|---|---|---|---|---|
| 300 | 1133 | 0 | PMMX | 3377 | 1300 | None | 2021-04-11 05:04:29 | 2021-04-11 05:04:29 |