Scenario 9: Merchant Credit (Mastercard Banknet)

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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.

Mastercard sends a merchant credit authorization request for 150.00.
Galileo approves the request but does not credit the account yet.
Mastercard sends a clearing file with the 150.00 credit.
Galileo posts 150.00 to the cardholder account as an adjustment. The available balance is now 1150.00. Galileo sends a BADJ: adj event message.

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	Merchant Credit	150.00	0044	0	1000	20230922:033511MST

Authorization/Settlement Events

msg_id	type	amount	adj_id	original_auth_id	open_to_buy	timestamp
BADJ	adj	150	8822	0	1150	2023-09-22 03:35:11 MST

Authorized Transactions RDF

TRANSACTION AMOUNT	AUTHORIZATION CODE	TRANSACTION CODE	REVERSAL ID	AUTH TRANSACTION CODE	TRANSACTION DATE/TIME
150	0044	6	0	AUZ	2023-09-22 03:35:11

Posted Transactions RDF

TRANSACTION AMOUNT	AUTHORIZATION CODE	TRANSACTION CODE/TYPE	SOURCE ID	TRANSACTION DATE/TIME	POST DATE
150.00+	8822	ADC	8822	2023-09-23 15:18:48	2023-09-23 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.

amt	source_id	original_auth_id	trans_code	auth_ts	post_ts
150	8822	0	ADC	2023-09-23 15:18:48	2023-09-23 15:18:48

Get All Transaction History response

This endpoint returns the same transactions as the All Transactions screen of the CST.

amt	auth_id	prior_id	trans_code	source_id	calculated_balance	credit_ind	auth_ts	post_ts
150	None	0	ADC	8822	1150	None	2023-09-23 15:18:48	2023-09-23 15:18:48