Scenario 4: Reversal on Authorization Before Clearing (Mastercard)
A debit cardholder makes an online purchase for $10 using a mobile wallet. A couple hours later, the cardholder cancels the transaction. The transaction does not clear before the reversal. The following are true:
- The initial available balance is $1000.
- The network is Mastercard Banknet.
- Transactions for this merchant type and amount are configured to expire after seven days.
Sequence of events
Events in the same step have the same timestamp.
- Mastercard sends an authorization request for –10.00.
- Galileo approves the request and places a 10.00 hold on the account. The available balance is now 990.00. Galileo sends the
BAUT: authevent message. - Mastercard sends a reversal for 10.00.
- Galileo reverses out the 10.00 hold. The available balance is now 1000.00. Galileo sends an
AAAU: authwebhook. - After seven days, the authorization and its reversal expire. Galileo sends the
BEXP: auth_expandBEXR: auth_exp_reversalevent messages.
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 | Auth | 10.00 | 2233 | 0 | 1000 | 20210411:161855MST |
| Reversal | Auth | 10.00 | 9900 | 2233 | 990 | 20210411:184642MST |
Authorization/Settlement Events
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|---|---|---|---|---|---|
| BAUT | auth | 10 | 2233 | 0 | 990 | 2021-04-11 16:18:55 MST |
| AAAU | auth | 10 | 9900 | 2233 | 1000 | 2021-04-11 18:46:42 MST |
| BEXR | auth_exp_reversal | 10 | 9900 | 2233 | 990 | 2021-04-19 05:49:06 MST |
| BEXP | auth_exp | 10 | 2233 | 0 | 1000 | 2021-04-19 05:49:11 MST |
Authorized Transactions RDF
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|---|---|---|---|
| 10.00- | 2233 | 5 | 0 | 2021-04-11 16:18:55 |
| 10.00+ | 9900 | 5 | 2233 | 2021-04-11 18:46:42 |
Posted Transactions RDF
The transactions do not appear in this RDF.
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. In this table both the authorization and reversal are shown; however, in Production you would get only the most recent transaction.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|---|---|---|---|---|
| -10 | 2233 | 0 | A | 000000001000 | 2021-04-11 16:18:55 |
| 10 | 9900 | 0 | R | 000000001000 | 2021-04-11 18:46:42 |
Get Transaction History response
The transactions are not returned by this endpoint.
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 |
|---|---|---|---|---|---|---|---|---|
| -10 | 2233 | 0 | AUA | 2233 | 990 | Y | 2021-04-11 16:18:55 | 2021-04-11 16:18:55 |
| 10 | 990 | 2233 | AUR | 9900 | 1000 | Y | 2021-04-11 18:46:42 | 2021-04-11 18:46:42 |
| -10 | None | None | EXR | 9900 | 990 | None | None | 2021-04-19 05:49:06 |
| 10 | None | None | EXA | 2233 | 1000 | None | None | 2021-04-19 05:49:11 |