Scenario 9: Merchant Credit (Mastercard Banknet)

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Notice

This scenario has been updated. The previous version did not show Mastercard merchant credits arriving through the authorization stream. This version shows a merchant credit first arriving in the authorization stream (Auth API webhook) before being processed as an adjustment when the settlement batch file arrives. (It is also possible for a Mastercard merchant credit to not arrive in the authorization stream.)

A debit cardholder receives a gift worth $150. The cardholder does not want to keep the gift and returns it to the original merchant. The merchant provides a $150 merchant credit on the cardholder's debit card. The following are true:

  • The initial available balance is $1000.
  • The merchant validates the debit card with a signature.
  • The network is Mastercard Banknet.
  • Galileo processes merchant credits from Mastercard Banknet as adjustments, which is different from other networks.

Sequence of events

Events in the same step have the same timestamp.

  1. Mastercard sends a merchant credit authorization request for 150.00.
  2. Galileo approves the request but does not credit the account yet.
  3. Mastercard sends a clearing file with the 150.00 credit.
  4. Galileo posts 150.00 to the cardholder account as an adjustment. The available balance is now 1150.00. 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
AuthMerchant Credit150.0000440100020230922:033511MST

Authorization/Settlement Events webhooks

msg_idtypeamountadj_idoriginal_auth_idopen_to_buytimestamp
BADJadj1508822011502023-09-22 03:35:11 MST

Authorized Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODEREVERSAL IDAUTH TRANSACTION CODETRANSACTION DATE/TIME
150004460AUZ2023-09-22 03:35:11

Posted Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODE/TYPESOURCE IDTRANSACTION DATE/TIMEPOST DATE
150.00+8822ADC88222023-09-23 15:18:482023-09-23 15:18:48

Get Authorization History response

This transaction is not returned by this endpoint.

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
15088220ADC2023-09-23 15:18:482023-09-23 15:18:48

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
150None0ADC88221150None2023-09-23 15:18:482023-09-23 15:18:48