Mastercard denied an authorization request because the merchant does not support Mastercard's buy now, pay later (BNPL) program.

Code — BNPD
Event trigger — Galileo receives advice from Mastercard to notify that the transaction was denied by Mastercard on Galileo’s behalf, because the merchant has opted out of the program.

Fields

The data elements (DEs) in the field descriptions may vary by network. All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field	Default	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"`
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"`
ch_group_id		Corporate Hierarchy group identifier. Example: `"2544"`
credit_balance		For credit accounts, the total amount of unpaid purchases and advances. Example: `"325.00"`
mcc	X	Merchant category code (DE018). Example: `"5712"`
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: `"BNPD"`
network	X	See Events Network Codes for possible values. Example: `"V"`
open_to_buy	X	The available balance to spend. Example: `"500.00"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"999101003022"`
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"`
timestamp	X	Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: `YYYY-MM-DD hh:mm:ss MST` Example: `"2025-01-31 17:20:33 MST"`
tlid		Mastercard only. Transaction link identifier. An identifier that Mastercard generates for every original transaction. DE105SF1. Example: `"f3a54c321e634e9b"`
type	X	The name of this event: `"denied_auth_buy_now_pay_later"`
visa_trans_id		Contents of Field 62.2: Transaction Identifier (bitmap format). This Visa-generated transaction ID is unique for each original authorization and financial request. Example: `"141037867734271"`

Example

# denied_auth_buy_now_pay_later example:
{
  "amount": "10.25",
  "auth_id": "12303090",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "cad": "12534",
  "credit_balance": "325.00",
  "mcc": "5712",
  "merchant_location": "NEW YORK, NY",
  "merchant_name": "Widgets Incorporated",
  "merchant_number": "L4DIV6D5LM4X7LF",
  "msg_event_id": "243693",
  "msg_id": "BNPD",
  "network": "V",
  "open_to_buy": "500.00",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "response_code": "05",
  "timestamp": "2025-01-31 17:20:33 MST",
  "tlid": "f3a54c321e634e9b",
  "type": "denied_auth_buy_now_pay_later",
  "visa_trans_id": "141037867734271"
}