An authorization request was denied. Available balance has not changed.
This event is sent only when the reason for the denial is not covered by one of these other authorization-denial events:
- PUMP: denied_auth_gas
- NACT: denied_auth_inactive_card
- IPIN: denied_auth_invalid_pin
- BNSF: denied_auth_nsf
- STPD: denied_auth_stip
- BPAN: denied_auth_bad_pan
- Code —
DAUT
- Event trigger — You or Galileo deny an authorization request.
- Process — This process contains the event trigger:
- Galileo receives one of these messages from a card network:
- Preauthorization request
- Authorization request
- Galileo receives one of these messages from a card network:
Fields
The data elements (DEs) indicated in the field descriptions may vary by network. All fields are strings. Your field names may vary.
Field | Required | Description |
---|---|---|
amount | X | The amount of the authorization request. Includes fees and upcharges. DE004 times the conversion rate in DE009. The amount is signed: |
auth_id | X | Galileo-generated ID for the authorization request. This ID is unique per subnetwork. Example: |
auth_tran_type | Based on DE003, processing code. Type of authorization request. See Authorization types for possible values. Example: |
|
avail_cash | For debit accounts, the |
|
avail_credit | For credit accounts, the available credit limit to spend. Example: |
|
balance_id | X | The balance ID, also called the |
cad | X | Galileo-generated card ID. Example: |
cashback_amount | Amount of the transaction that is cashback instead of purchase. This amount is included in |
|
client_id | ID for the customer record. Example: |
|
credit_balance | For credit accounts, the total amount of unpaid purchases and advances. Example: |
|
credit_ind | Whether the transaction arrived at Galileo over credit or debit rails. |
|
currency | Currency code for |
|
de003 | Raw contents of DE003, processing code. See DE003 Codes for possible values. Example: |
|
de022 | Raw contents of DE022, POS entry mode. See DE022 Codes for possible values. Example: |
|
domestic | Whether this is a domestic transaction. |
|
fee_amt | Program transaction fee. Example: |
|
fund_pmt_ref_no | The PRN of the real-time funding account that is associated with this RTF spending account. Example: |
|
local_currency | Currency code for |
|
local_currency_amount | Amount of the transaction in the currency at the point of sale (DE004). No fees or upcharges included. Example: |
|
local_surcharge_amt | The surcharge amount (DE028) added by the merchant or ATM operator. This amount is included in |
|
mcc | X | Merchant category code (DE018). Example: |
merchant | Concatenation of |
|
merchant_location | X | Merchant city and state (from remaining part of ISO DE043). Example: |
merchant_name | X | Merchant name (first 22 characters of DE043). Should not be used for matching; instead, use |
merchant_number | X | Merchant number (DE042). Example: |
msg_event_id | Unique Galileo-generated identifier for this message. Example: |
|
msg_id | The four-letter code to identify this event. Example: |
|
network | X | See Events Network Codes for possible values. Example: |
open_to_buy | X | The available balance to spend. Example: |
opentobuy_ts | The exact date-time at which |
|
original_auth_id | The ID of a prior authorization in the sequence. For example, for a completion, this is the |
|
pmt_ref_no | X | Galileo 12-digit payment reference number (PRN) for the account. Example: |
prod_id | X | The product ID of the account. Example: |
prog_id | X | The program ID of the account. Example: |
response_code | X | See Authorization Response Codes for possible values. Example: |
response_reasons | Pipe-delimited list of factors that were calculated for |
|
risk_score | Risk score provided by the network. Higher numbers mean higher risk. Example: |
|
rules_results | X | Comma-delimited list of DENY, WARN or FREEZE rules from Galileo's dynamic fraud engine. Example: |
settle_currency | Currency code for |
|
settle_currency_amount | Amount of the settlement in the currency of the cardholder account. Example: |
|
sign_amount | Contains |
|
timestamp | X | Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: |
token_requester | Name of the entity that is requesting a tokenized version of the card. Example: |
|
token_requester_id | Identifier for |
|
token_type | Name of token requester. Example: |
|
type | X | The name of this event: |
user_data | Populated according to your use case and needs by arrangement with Galileo. |
Example
# denied_auth example:
{
"amount": "10.25",
"auth_id": "12303090",
"auth_tran_type": "5",
"avail_cash": "143.11",
"avail_credit": "432.00",
"balance_id": "20211",
"cad": "12534",
"cashback_amount": "20.00",
"client_id": "264539",
"credit_balance": "325.00",
"credit_ind": "Y",
"currency": "840",
"de003": "002000",
"de022": "071",
"domestic": "Y",
"fee_amt": "2.00",
"local_currency": "124",
"local_currency_amount": "1245.20",
"local_surcharge_amt": "2.50",
"mcc": "5712",
"merchant": "RIDESHARE.COM/CHARGES, SAN FRANCISCO, CA",
"merchant_location": "NEW YORK, NY",
"merchant_name": "Widgets Incorporated",
"merchant_number": "L4DIV6D5LM4X7LF",
"msg_event_id": "243693",
"msg_id": "DAUT",
"network": "V",
"open_to_buy": "500.00",
"opentobuy_ts": "2023-03-17 14:06:50.243654",
"original_auth_id": "12303085",
"pmt_ref_no": "155101003022",
"prod_id": "1701",
"prog_id": "305",
"response_code": "05",
"response_reasons": "Acquiring merchant blocked by product|Suspected fraud",
"risk_score": "26",
"rules_results": "hr_crypto:DENY, intl_cnp_ecom:DENY",
"settle_currency": "840",
"settle_currency_amount": "35.44",
"timestamp": "2023-01-29 17:20:33 MST",
"token_requester": "Apple Inc.",
"token_requester_id": "40010030273",
"token_type": "Apple Inc.",
"type": "denied_auth"
}