There may be situations when you need to be able to link authorisations or notifications of authorisations with financial transactions. For example, some issuers send a notification to their customer after an authorisation, requesting the customer to take an action based on it (like take a picture of the receipt or assign it to a cost category).
Use case | 1st message in chain | 2nd message in chain | 3rd message in chain |
---|---|---|---|
1. Your customer makes a purchase and the merchant makes an authorisation which results in a financial transaction. | Notification message: “AUTH” / transactionId: 112233 Transaction API: “AUTH” / id : 112233 | Transaction API: “FINANCIAL” / linkId : 112233 Data Export transaction file: PREVIOUS_ID : 112233 | n/a |
2. Your customer fuels at an unattended fuel station (automated fuel dispenser). The terminal first makes an authorisation request and after the fueling has ended the amount of the authorisation is changed with advice and then a financial transaction is sent. | Notification message: “AUTH” / transactionId : 445566 Transaction API: “AUTH” / id : 445566 | Notification message: “AUTH_ADJ” / transactionId: 445567 originalTransactionId : 445566 Transaction API: “AUTH” / linkId : 445566 | Transaction API: “FINANCIAL” / linkId : 445566 Data Export transaction file: PREVIOUS_ID: 445567 |
3. Your customer makes a purchase, an authorisation request is completed, but the customer returns the item shortly. At this point the authorisation is reversed. No financial transaction is sent. | Notification message: “AUTH” / transactionId : 778899 Transaction API: “AUTH” / id : 778899 | Notification message: “AUTH_REV” / originalTransactionId : 778899 Transaction API: “AUTH” / linkId : 778899 | n/a |
4. Your customer makes a retail purchase, the merchant creates an authorisation and a financial transaction is sent. Your customer returns the purchased item after a week and the merchant creates a financial transaction reversal to reflect the return. | Notification message: “AUTH” / transactionId : 123456 Transaction API: “AUTH” / id : 123456 | Transaction API: “FINANCIAL” / “code”:”R1″ / linkId : 123456 Data Export transaction file: ID: 123457 PREVIOUS_ID: 123456 | Transaction API: “FINANCIAL” / “code”:”r1″ / linkId : 123456 Data Export transaction file: PREVIOUS_ID: 123457 |