Changes for page card-transaction
Last modified by David Persson on 2024/02/21 07:48
From version 62.2
edited by David Persson
on 2020/04/16 17:02
on 2020/04/16 17:02
To version 62.3
edited by Mikael Widström
on 2020/04/20 13:59
on 2020/04/20 13:59
Change comment: There is no comment for this version
Summary
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... ... @@ -24,6 +24,40 @@ 24 24 Cancellations resource added, cancels the authorization when posted 25 25 26 26 27 +== Summary == 28 + 29 +The card transaction api is used for cars payments against accounts. The transaction part handles the integration for cars using card terminology. All transaction ends up on an account. There are two major concepts: 30 + 31 +* **Authorizations** which are used to validate if payments can be done, they will end up as reservations on the account without any financial transaction. An authorization will in most cases end up in financial transaction a "Purchase". 32 +* **Financial transactions** Purchase, Cache-Withdrawals and Reversals. Each financial transaction can be reversed using reversals. 33 + 34 +Authorizations and Authorization/Cancellations are the only real-time transactions that take place instantly on at the point of sale (POS) (eg. cache register or online during payment). Although most transactions follow the authorization > financial transaction flow, there are cases with financial transactions without corresponding authorization. The most typical scenario is when a POS-Terminal loses connection with the internet. To prevent an all-stand-still at the point of sales, the cards usually hold an offline-limit that limits the amount of purchase that can be made unauthorized. (% class="small" %)The offline-limit (if such exist) is regulated in the agreement between the card-issuer and the consumer. 35 + 36 +Financial transactions are batch processed in clearing files and do not occur in real time. 37 + 38 +=== Mapping card-transaction to credit-account === 39 + 40 +|=(% style="width: 241px;" %)[[card-transaction api>>doc:]] (this api)|=(% style="width: 155px;" %)Type|=(% style="width: 177px;" %)[[credit-account api>>doc:Main.credit-account.api.credit-account.WebHome]]|=(% style="width: 591px;" %)Description 41 +|(% style="width:241px" %)[[../authorizations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HAuthorizations]]|(% style="width:155px" %)(% class="small" %)Authorization|(% style="width:177px" %)[[../reservations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HReservations]]|(% style="width:591px" %)Successful authorizations will end up as reservations in the credit-account api. The credit account/accounts api will also include a property with the total reservation amount that has not yet received a corresponding financial transaction in [[the "##reservedAmount##" property>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HAccounts]]. 42 +|(% style="width:241px" %)[[../authorization/../cancellations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCancellations]]|(% style="width:155px" %)(% class="small" %)Authorization|(% style="width:177px" %) |(% style="width:591px" %)Cancellations are used to free up authorizations/reservations, if the consumer of the api know that a financial transaction will not occur. Authorizations automatically times-out after a configurable time. 43 +|(% style="width:241px" %)[[../purchases>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HPurchases]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)((( 44 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 45 +)))|(% style="width:591px" %)The purchase transaction is the actual financial transaction that is made on the account. The transaction will also be displayed on the bill (credit-card statement) 46 +|(% style="width:241px" %)[[../purchases/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)((( 47 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 48 +)))|(% style="width:591px" %)A correction of the purchase transaction if it was invalid. 49 +|(% style="width:241px" %)[[../cash-withdrawals>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCash-withdrawals]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)((( 50 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 51 +)))|(% style="width:591px" %)A cash withdrawal made in the terminal to give take out cash directly from the account at the point of sales. (% class="small" %)//Requires special agreement.// 52 +|(% style="width:241px" %)[[../cash-withdrawals/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)((( 53 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 54 +)))|(% style="width:591px" %)A correction of the cash-withdrawal transaction if it was invalid. 55 +|(% style="width:241px" %)[[../reversals>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HReversals]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)((( 56 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 57 +)))|(% style="width:591px" %)The payer returns the merchandise and the money i returned to the account holders account 58 +|(% style="width:241px" %)[[../reversals/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:155px" %)(% class="small" %)Financial Transaction|(% style="width:177px" %)[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**##|(% style="width:591px" %) 59 + 60 + 27 27 == Authorizations == 28 28 29 29 (% class="wikigeneratedid" %)