Changes for page card-transaction
Last modified by David Persson on 2024/02/21 07:48
From version 62.4
edited by Mikael Widström
on 2020/04/20 14:12
on 2020/04/20 14:12
To version 62.5
edited by Mikael Widström
on 2020/04/20 14:27
on 2020/04/20 14:27
Change comment: There is no comment for this version
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... ... @@ -28,39 +28,49 @@ 28 28 29 29 (% class="box successmessage" %) 30 30 ((( 31 -The card transaction api is used for making card payments against credit-accounts, it uses card terminology. All card transactions ends up on a credit-account that maintains the financial balances.31 +The card transaction api is used for making card payments against credit-accounts, it uses card terminology. All card transactions ends up on a credit-account that maintains all balances. 32 32 ))) 33 33 34 -The rearecard transactions has two major concepts:34 +The card transactions has two major concepts: 35 35 36 -* **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". 37 -* **Financial transactions** Purchase, Cache-Withdrawals and Reversals. Each financial transaction can be reversed using reversals. 36 +===== **Authorizations** ===== 38 38 39 - Authorizations andAuthorization/Cancellationsarenlyreal-timetransactions,theytake placenstantlyonat the pointfsale(POS)(eg.cacheregisteroronlinepayment).38 +Validates if payments can be done, account has sufficient funds etc.. The authorizations will end up as reservations on the credit-account. Authorization will in most cases end up in financial transaction, a "Purchase". 40 40 41 -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. 40 +Authorizations and Cancellations are the only real-time transactions, they take place instantly on at the point of sale (POS) (eg. cache register or online payment). 41 + 42 42 43 +===== **Financial transactions** ===== 44 + 45 +The financial transactions are the actual monetary transactions. There are three different type of financial transactions: Purchase, Cache-Withdrawals and Reversals. Each financial transaction can be reversed using reversals. 46 + 47 + 48 +====== //Transaction flow// ====== 49 + 50 +Although most transactions follow the authorization > financial transaction flow, there are cases with financial transactions without corresponding authorizations. 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 can contain an offline-limit. The offline-limit restricts maximum amount of a 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. 51 + 52 + 43 43 === Mapping card-transaction to credit-account === 44 44 45 -|=(% style="width: 2 41px;" %)[[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;" %)Description46 -|(% style="width:2 41px" %)[[../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]].47 -|(% style="width:2 41px" %)[[../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.48 -|(% style="width:2 41px" %)[[../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" %)(((55 +|=(% style="width: 233px;" %)[[card-transaction api>>doc:]] (this api)|=(% style="width: 134px;" %)Type|=(% style="width: 256px;" %)[[credit-account api>>doc:Main.credit-account.api.credit-account.WebHome]]|=(% style="width: 1043px;" %)Description 56 +|(% style="width:233px" %)[[../authorizations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HAuthorizations]]|(% style="width:134px" %)(% class="small" %)Authorization|(% style="width:256px" %)[[../reservations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HReservations]]|(% style="width:1043px" %)(% class="small" %)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 "(% class="small" %)##reservedAmount##" property>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HAccounts]](%%). 57 +|(% style="width:233px" %)[[../authorization/../cancellations>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCancellations]]|(% style="width:134px" %)(% class="small" %)Authorization|(% style="width:256px" %) |(% style="width:1043px" %)(% class="small" %)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. 58 +|(% style="width:233px" %)[[../purchases>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HPurchases]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)((( 49 49 [[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 50 -)))|(% 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)51 -|(% style="width:2 41px" %)[[../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" %)(((60 +)))|(% style="width:1043px" %)(% class="small" %)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) 61 +|(% style="width:233px" %)[[../purchases/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)((( 52 52 [[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 53 -)))|(% style="width: 591px" %)A correction of the purchase transaction if it was invalid.54 -|(% style="width:2 41px" %)[[../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" %)(((63 +)))|(% style="width:1043px" %)(% class="small" %)A correction of the purchase transaction if it was invalid. 64 +|(% style="width:233px" %)[[../cash-withdrawals>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCash-withdrawals]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)((( 55 55 [[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 56 -)))|(% 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.//57 -|(% style="width:2 41px" %)[[../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" %)(((66 +)))|(% style="width:1043px" %)(% class="small" %)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.// 67 +|(% style="width:233px" %)[[../cash-withdrawals/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)((( 58 58 [[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 59 -)))|(% style="width: 591px" %)A correction of the cash-withdrawal transaction if it was invalid.60 -|(% style="width:2 41px" %)[[../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" %)(((69 +)))|(% style="width:1043px" %)(% class="small" %)A correction of the cash-withdrawal transaction if it was invalid. 70 +|(% style="width:233px" %)[[../reversals>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HReversals]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)((( 61 61 [[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 62 -)))|(% style="width: 591px" %)The payer returns the merchandise and the money i returned to the account holders account63 -|(% style="width:2 41px" %)[[../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" %)A correction of the reversal transaction if it was invalid.72 +)))|(% style="width:1043px" %)(% class="small" %)The payer returns the merchandise and the money i returned to the account holders account 73 +|(% style="width:233px" %)[[../reversals/../corrections>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/card-transaction/#HCorrections]]|(% style="width:134px" %)(% class="small" %)Financial Transaction|(% style="width:256px" %)[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**##|(% style="width:1043px" %)(% class="small" %)A correction of the reversal transaction if it was invalid. 64 64 65 65 (% class="box floatinginfobox" %) 66 66 (((