Scenario 22: Card Load Reversal (Visa)
A cardholder receives $15 from a peer-to-peer cash transfer app, but 12 seconds later the load is reversed. 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 card load authorization request for 15.00 over network rails.
- Galileo approves the authorization and sends the
AAPM: auth_paymentevent message. Galileo converts the transaction into a payment, posts 15.00 to the account, and sends theBPMT: pmtevent message. The available balance is now 1015.00. - Visa sends a card load reversal request for -15.00 over network rails.
- Galileo approves the request, converts the transaction to an adjustment, posts -15.00 to the account and sends the
BADJ: adjevent message. The available balance is now 1000.00.
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 | 15.00 | 9955 | 0 | 1000 | 20231025:111708MST |
| Reversal | Payment | 15.00 | 9956 | 0 | 1015 | 20231025:111720MST |
Authorization/Settlement Events
| msg_id | type | amount | auth_id | source_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|---|
| AAPM | auth_payment | 15 | 9955 | 0 | 1000 | 2023-10-25 11:17:08 MST | |
| BPMT | pmt | 15 | 2288 | 0 | 1015 | 2023-10-25 11:17:08 MST | |
| BADJ | adj | 15 | 0077 | 0 | 1000 | 2023-10-25 11:17:20 MST |
Authorized Transactions RDF
The load amount is expressed as a negative number even though it credits the account.
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME | AUTH TRANSACTION CODE | BAI |
|---|---|---|---|---|---|---|
| -15.00 | 9955 | 26 | 0 | 2023-10-25 11:17:08 | VIT | MD |
| -15.00 | 9956 | 26 | 0 | 2023-10-25 11:17:20 | VIA | MD |
Posted Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | LOADS AUTH ID | TRANSACTION DATE/TIME | POST DATE |
|---|---|---|---|---|---|
| 15.00 | 2288 | PMVH | 9955 | 2023-10-25 11:17:08 | 2023-10-25 11:17:08 |
| -15.00 | 0077 | ADyt | 2023-10-25 11:17:20 | 2023-10-25 11:17:20 |
Get Authorization History response
The transactions are 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 |
|---|---|---|---|---|---|
| 15 | 2288 | 0 | PMVH | 2023-10-25 11:17:08 | 2023-10-25 11:17:08 |
| -15 | 0077 | 0 | ADyt | 2023-10-25 11:17:20 | 2023-10-25 11:17:20 |
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 |
|---|---|---|---|---|---|---|---|---|
| 15 | 9955 | 0 | PMVH | 2288 | 1015 | None | 2023-10-25 11:17:08 | 2023-10-25 11:17:08 |
| -15 | 9956 | 0 | ADyt | 0077 | 1000 | None | 2023-10-25 11:17:20 | 2023-10-25 11:17:20 |