denied_auth_nsf

An authorization request was denied because of insufficient funds, and the transaction was not initiated at a gas pump. (See PUMP: denied_auth_gas for denials at gas pumps.) Available balance has not changed.

  • CodeBNSF
  • Event trigger — You or Galileo deny a transaction because of insufficient funds.
  • Processes — This process precedes the event trigger:
    • Galileo receives one of these messages from a card network:
      • Preauthorization request
      • Authorization request

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"

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_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: "BNSF"

network X

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

open_to_buy X

The available balance to spend. Example: "500.00"

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

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_type

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

type X

The name of this event: "denied_auth_nsf"

user_data

Populated according to your use case and needs by arrangement with Galileo.

Example

# denied_auth_nsf 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",
  "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_location": "NEW YORK, NY",
  "merchant_name": "Widgets Incorporated",
  "merchant_number": "L4DIV6D5LM4X7LF",
  "msg_event_id": "243693",
  "msg_id": "BNSF",
  "network": "V",
  "open_to_buy": "500.00",
  "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_type": "Apple Inc.",
  "type": "denied_auth_nsf"
}