Scenario 7: Refund After Clearing (Mastercard Banknet)

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A debit cardholder uses a mobile wallet's peer-to-peer function to send $300 to a friend, who does not accept the funds. The wallet provider refunds the $300 to the cardholder. The following are true:

  • The initial available balance is $1000.
  • The wallet provider has already validated the debit card.
  • The network is Mastercard Banknet.

Sequence of events

Events in the same step have the same timestamp.

  1. Mastercard sends an authorization request for –300.00.
  2. Galileo approves the request and places a 300.00 hold on the account. The available balance is now 700.00. Galileo sends a BAUT: auth webhook.
  3. Mastercard sends a batch file with the –300.00 transaction.
  4. Galileo backs out the 300.00 hold and posts –300.00 to the account. The available balance is still 700.00. Galileo sends a SETL: setl webhook.
  5. Mastercard sends a clearing file with the 300.00 credit.
  6. Galileo credits 300.00 to the account. The available balance is now 1000.00. Galileo sends a BADJ: adj 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_typetransaction_typetrans_amountauth_idoriginal_idavailable_fundstimestamp
AuthAuth300.0022000100020210412:054330MST

Authorization/Settlement Events webhooks

msg_idtypeamountauth_idsource_idoriginal_auth_idopen_to_buytimestamp
BAUTauth3002200220007002021-04-12 05:43:30 MST
SETLsetl3002200220007002021-04-13 09:45:32 MST
BADJadj3005511010002021-04-14 09:06:14 MST

Authorized Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODEREVERSAL IDTRANSACTION DATE/TIME
300.00-2200502021-04-12 05:43:30

Posted Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODE/TYPESOURCE IDTRANSACTION DATE/TIMEPOST DATE
300.00-2200SE822002021-04-12 05:43:302021-04-13 09:45:32
300.00+5511ADC55112021-04-14 09:06:142021-04-14 09:06:14

Get Authorization History response

This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview.

amtauth_idoriginal_auth_idtypelocal_amttimestamp
-30022000A0000000300002021-04-12 05:43:30

Get Transaction History response

This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.

amtsource_idoriginal_auth_idtrans_codeauth_tspost_ts
-30022000SE82021-04-12 05:43:302021-04-13 09:45:32
30055110ADC2021-04-14 09:06:142021-04-14 09:06:14

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
-30022000AUA2200700Y2021-04-12 05:43:302021-04-12 05:43:30
300NoneNoneBO822001000NoneNone2021-04-13 09:45:32
-30022000SE82200700Y2021-04-12 05:43:302021-04-13 09:45:32
300None0ADC55111000None2021-04-14 09:06:142021-04-14 09:06:14