Scenario 8: Partial Reversal on Preauthorization

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A debit cardholder goes to an agency to rent a car. The agency obtains a $500 preauthorization. The next day, the cardholder returns the car, and the bill comes to $60. The following are true:

  • The initial available balance is $1000.
  • The merchant validates the debit card with a signature.
  • The network is Mastercard Banknet.
  • Mastercard does not link the reversal to the original authorization with an identifier.

Sequence of events

Events in the same step have the same timestamp.

  1. Mastercard sends an authorization request for –500.00.
  2. Galileo approves the request and places a 500.00 hold on the account. The available balance is now 500.00. Galileo sends a BAUT: auth webhook.
  3. When the car is returned, Mastercard sends a pre-authorization reversal for 440.00.
  4. Galileo releases 440.00 from the hold. The available balance is now 940.00. Galileo sends an AAAU: auth webhook.
  5. Mastercard sends a batch file with the –60.00 transaction.
  6. Galileo expires the reversal and reverses out the 440.00 credit from the account. Galileo sends a BEXR: auth_exp_reversal webhook, and then Galileo backs out the 500.00 hold and posts –60.00 to the account. The available balance is still 940.00. 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_typetransaction_typetrans_amountauth_idoriginal_idavailable_fundstimestamp
AuthPreauth500.0055880100020210413:074419MST
ReversalAuth440.007711050020210414:042833MST

Authorization/Settlement Events webhooks

msg_idtypeamountauth_idoriginal_auth_idopen_to_buytimestamp
BAUTauth500558805002021-04-13 07:44:19 MST
AAAUauth440771109402021-04-14 04:28:33 MST
BEXRauth_exp_reversal440771105002021-04-15 09:03:47 MST
SETLsetl60558809402021-04-15 09:07:10 MST

Authorized Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODEREVERSAL IDTRANSACTION DATE/TIME
500.00-55885004132021 07:44:19
440.00+77115558804142021 04:28:33

Posted Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODE/TYPESOURCE IDTRANSACTION DATE/TIMEPOST DATE
60.00-5588SE5558804132021 07:44:1904152021

Get Authorization History response

This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview. This table shows both the authorization and the reversal; however, in Production you would get only the most recent transaction.

amtauth_idoriginal_auth_idtypelocal_amttimestamp
-50055880L0000000500002021-04-13 07:44:19
44077110R0000000440002021-04-14 04:28:33

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
-6055880SE52021-04-13 07:44:192021-04-15 09:07:10

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
-50055880AUL5588500Y2021-04-13 07:44:192021-04-13 07:44:19
44077110AUR7711940Y2021-04-14 04:28:332021-04-14 04:28:33
-440None0EXR7711500NoneNone2021-04-15 09:03:47
500None0BO555881000NoneNone2021-04-15 09:07:10
-6055880SE55588940Y2021-04-13 07:44:192021-04-15 09:07:10