denied_auth

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:

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: - to debit the account and + to credit the account. Example: "10.25"

auth_id X

Galileo-generated ID for the authorization request. This ID is unique per subnetwork. Example: "12303090"

auth_tran_type

Based on DE003, processing code. Type of authorization request. See Authorization types for possible values. Example: "5"

avail_cash

For debit accounts, the open_to_buy plus available overdraft. Example: "143.11"

avail_credit

For credit accounts, the available credit limit to spend. Example: "432.00"

balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"

cad X

Galileo-generated card ID. Example: "12534"

cashback_amount

Amount of the transaction that is cashback instead of purchase. This amount is included in amount. Example: "20.00"

client_id

ID for the customer record. Example: "264539"

credit_balance

For credit accounts, the total amount of unpaid purchases and advances. Example: "325.00"

credit_ind

Whether the transaction arrived at Galileo over credit or debit rails. Y is credit; N is debit. Example: "Y"

currency

Currency code for amount, which is the currency of the cardholder account.. Example: "840"

de003

Raw contents of DE003, processing code. See DE003 Codes for possible values. Example: "002000"

de022

Raw contents of DE022, POS entry mode. See DE022 Codes for possible values. Example: "071"

domestic

Whether this is a domestic transaction. Y is domestic; N is international. Example: "Y"

fee_amt

Program transaction fee. Example: "2.00"

local_currency

Currency code for local_currency_amount (DE049). Example: "124"

local_currency_amount

Amount of the transaction in the currency at the point of sale (DE004). No fees or upcharges included. Example: "1245.20"

local_surcharge_amt

The surcharge amount (DE028) added by the merchant or ATM operator. This amount is included in amount. Example: "2.50"

mcc X

Merchant category code (DE018). Example: "5712"

merchant

Concatenation of merchant_name and merchant_location. Example: "RIDESHARE.COM/CHARGES, SAN FRANCISCO, CA"

merchant_location X

Merchant city and state (from remaining part of ISO DE043). Example: "NEW YORK, NY"

merchant_name X

Merchant name (first 22 characters of DE043). Should not be used for matching; instead, use merchant_number. Example: "Widgets Incorporated"

merchant_number X

Merchant number (DE042). Example: "L4DIV6D5LM4X7LF"

msg_event_id

Unique Galileo-generated identifier for this message. Example: "243693"

msg_id

The four-letter code to identify this event. Example: "DAUT"

network X

See Events Network Codes for possible values. Example: "V"

open_to_buy X

The available balance to spend. Example: "500.00"

opentobuy_ts

The exact date-time at which open_to_buy was captured. Format: YYYY-MM-DD hh:mm:ss.ssssss Example: "2023-03-17 14:06:50.243654"

original_auth_id

The ID of a prior authorization in the sequence. For example, for a completion, this is the auth_id of the preauthorization. For a reversal, this is the auth_id of the transaction that is being reversed. Example: "12303085"

otype

See Transaction Types for possible values. Example: "W"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "155101003022"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"

response_code X

See Authorization Response Codes for possible values. Example: "05"

response_reasons

Pipe-delimited list of factors that were calculated for response_code. Example: "Acquiring merchant blocked by product|Suspected fraud"

risk_score

Risk score provided by the network. Higher numbers mean higher risk. Example: "26"

rules_results X

Comma-delimited list of DENY, WARN or FREEZE rules from Galileo's dynamic fraud engine. Example: "hr_crypto:DENY, intl_cnp_ecom:DENY"

settle_currency

Currency code for settle_currency_amount. Example: "840"

settle_currency_amount

Amount of the settlement in the currency of the cardholder account. Example: "35.44"

sign_amount

Contains - (minus sign) when the amount debits the open_to_buy. Example: "-"

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2023-01-29 17:20:33 MST"

token_requester

Name of the entity that is requesting a tokenized version of the card. Example: "Apple Inc."

token_requester_id

Identifier for "token_requester". Example: "40010030273"

token_type

Name of token requester. Example: "Apple Inc."

type X

The name of this event: "denied_auth"

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",
  "otype": "W",
  "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"
}