A debit cardholder purchases several items at a home-improvement store for $150. The next day, the cardholder returns one $40 item to the store. The merchant accepts the return and refunds $40 to the cardholder on the card that was used to make the purchase. The following are true:
The initial available balance is $1000.
The merchant validates the debit card with a PIN.
The network is Visa Interlink.
The cardholder returned the item after the transaction cleared.
Sequence of events
Events in the same step have the same timestamp.
Visa sends an authorization request for –150.00.
Galileo approves the request and places a 150.00 hold on the account. The available balance is now 850.00. Galileo sends the BAUT: auth webhook.
Visa sends a batch file that contains the –150.00 transaction.
Galileo backs out the 150.00 hold and posts –150.00 to the account. The available balance is still 850.00. Galileo sends a SETL: setl webhook.
Visa sends a merchant credit authorization request for 40.00.
Galileo approves the request but does not credit the account yet. The available balance is still 850.00.
Visa sends a batch file that contains the 40.00 credit. Galileo creates authorization and backout entries for the ledger and credits 40.00 to the account. The available balance is now 890.00. Galileo sends a SETL: setl webhook.
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
150.00
7788
0
1000
20210411:115310MST
Auth
Merchant Credit
40.00
9944
0
850
20210412:145448MST
Authorization/Settlement Events webhooks
msg_id
type
amount
auth_id
original_auth_id
open_to_buy
timestamp
BAUT
auth
150
7788
0
850
2021-04-11 11:53:10 MST
SETL
setl
150
7788
0
850
2021-04-12 13:46:02 MST
SETL
setl
40
9944
0
890
2021-04-12 14:54:48 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
150.00-
7788
5
0
2021-04-11 11:53:10
40.00+
9944
6
0
2021-04-12 14:54:48
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
SOURCE ID
TRANSACTION DATE/TIME
POST DATE
150.00-
7788
ISA
7788
2021-04-11 11:53:10
2021-04-12 13:46:02
40.00+
9944
ISZ
9944
2021-04-12 14:54:48
2021-04-13 14:10:39
Get Authorization History response
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview.
amt
auth_id
original_auth_id
type
local_amt
timestamp
-150
7788
0
A
000000015000
2021-04-11 11:53:10
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
-150
7788
0
ISA
2021-04-11 11:53:10
2021-04-12 13:46:02
40
9944
0
ISZ
2021-04-12 14:54:48
2021-04-13 14:10:39
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
