Scenario 4: Reversal on Authorization Before Clearing (Mastercard)

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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.

  1. Mastercard sends an authorization request for –10.00.
  2. Galileo approves the request and places a 10.00 hold on the account. The available balance is now 990.00. Galileo sends the BAUT: auth webhook.
  3. Mastercard sends a reversal for 10.00.
  4. Galileo reverses out the 10.00 hold. The available balance is now 1000.00. Galileo sends an AAAU: auth webhook.
  5. After seven days, the authorization and its reversal expire. Galileo sends the BEXP: auth_exp and BEXR: auth_exp_reversal webhooks.

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_typetransaction_typetrans_amountauth_idoriginal_idavailable_fundstimestamp
AuthAuth10.0022330100020210411:161855MST
ReversalAuth10.009900223399020210411:184642MST

Authorization/Settlement Events webhooks

msg_idtypeamountauth_idoriginal_auth_idopen_to_buytimestamp
BAUTauth10223309902021-04-11 16:18:55 MST
AAAUauth109900223310002021-04-11 18:46:42 MST
BEXRauth_exp_reversal10990022339902021-04-19 05:49:06 MST
BEXPaut_exp102233010002021-04-19 05:49:11 MST

Authorized Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODEREVERSAL IDTRANSACTION DATE/TIME
10.00-22335004112021 16:18:55
10.00+99005223304112021 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.

amtauth_idoriginal_auth_idtypelocal_amttimestamp
-1022330A0000000010002021-04-11 16:18:55
1099000R0000000010002021-04-11 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.

amtauth_idprior_idtrans_codesource_idcalculated_balancecredit_indauth_tspost_ts
-1022330AUA2233990Y2021-04-11 16:18:552021-04-11 16:18:55
109902233AUR99001000Y2021-04-11 18:46:422021-04-11 18:46:42
-10NoneNoneEXR9900990NoneNone2021-04-19 05:49:06
10NoneNoneEXA22331000NoneNone2021-04-19 05:49:11