Scenario 17: Card Load (Maestro)

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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 and sends the AAPM: auth_payment event message. Then Galileo converts the transaction into a payment, posts 300.00 to the account, and sends the BPMT: pmt event message. The available balance is now 1300.00.

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

msg_id	type	amount	auth_id	pmt_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	2021-04-11 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	2021-04-11 05:04:29	2021-04-11 05:04:29

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