Scenario 21: Card Load (Visa)
A cardholder receives a $50 payment from a payday loan app. The following are true:
- The initial available balance is $1000.
- The network is Visa.
Sequence of events
Events in the same step have the same timestamp.
- Visa sends a payment authorization request for 50.00 over network rails.
- Galileo approves the request and sends the
AAPM: auth_paymentwebhook. Galileo converts the transaction into a payment, posts 50.00 to the account, and sends theBPMT: pmtwebhook. The available balance is now 1050.00. - Visa sends a batch file with the 50.00 transaction. Galileo sends the
SETL: setlwebhook. The available balance is still 1050.00.
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 | 50.00 | 0066 | 0 | 1000.00 | 20231025:131652MST |
Authorization/Settlement Events webhooks
| msg_id | type | amount | auth_id | pmt_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|---|
| AAPM | auth_payment | 50 | 0066 | 0 | 1050 | 2023-10:25 13:16:52 | |
| BPMT | pmt | 50 | 8833 | 1050 | 2023-10-25 13:16:52 | ||
| SETL | setl | 50 | 0066 | 0 | 1050 | 2023-10:26 10:45:23 |
Authorized Transactions RDF
The amount is expressed as a negative number even though it's a payment into the account.
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME | AUTH TRANSACTION CODE | BAI |
|---|---|---|---|---|---|---|
| -50.00 | 0066 | 26 | 0 | 2023-10-25 13:16:52 | VIT | PD |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | LOADS AUTH ID | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|
| 50.00 | 8833 | PMVH | 0066 | 2023-10-25 13:16:52 | 2023-10-25 13:16:52 |
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 |
|---|---|---|---|---|---|
| 50 | 8833 | 0 | PMVH | 2023-10-25 13:16:52 | 2023-10-25 13:16:52 |
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 |
|---|---|---|---|---|---|---|---|---|
| 50 | 0066 | 0 | PMVH | 8833 | 1050 | None | 2023-10-25 13:16:52 | 2023-10-25 13:16:52 |