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_payment event message. Galileo converts the transaction into a payment, posts 50.00 to the account, and sends the BPMT: pmtevent message. The available balance is now 1050.00.
Visa sends a batch file with the 50.00 transaction. Galileo sends the SETL: setl event message. 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

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