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.
Mastercard sends an authorization request for –500.00.
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.
When the car is returned, Mastercard sends a pre-authorization reversal for 440.00.
Galileo releases 440.00 from the hold. The available balance is now 940.00. Galileo sends an AAAU: auth webhook.
Mastercard sends a batch file with the –60.00 transaction.
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_type
transaction_type
trans_amount
auth_id
original_id
available_funds
timestamp
Auth
Preauth
500.00
5588
0
1000
20210413:074419MST
Reversal
Auth
440.00
7711
0
500
20210414:042833MST
Authorization/Settlement Events webhooks
msg_id
type
amount
auth_id
original_auth_id
open_to_buy
timestamp
BAUT
auth
500
5588
0
500
2021-04-13 07:44:19 MST
AAAU
auth
440
7711
0
940
2021-04-14 04:28:33 MST
BEXR
auth_exp_reversal
440
7711
0
500
2021-04-15 09:03:47 MST
SETL
setl
60
5588
0
940
2021-04-15 09:07:10 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
500.00-
5588
5
0
2021-04-13 07:44:19
440.00+
7711
5
5588
2021-04-14 04:28:33
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
SOURCE ID
TRANSACTION DATE/TIME
POST DATE
60.00-
5588
SE5
5588
2021-04-13 07:44:19
2021-04-15 09:07:10
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.
amt
auth_id
original_auth_id
type
local_amt
timestamp
-500
5588
0
L
000000050000
2021-04-13 07:44:19
440
7711
0
R
000000044000
2021-04-14 04:28:33
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
-60
5588
0
SE5
2021-04-13 07:44:19
2021-04-15 09:07:10
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
