Changes for page card-transaction
Last modified by David Persson on 2024/02/21 07:48
From version 66.1
edited by Mikael Widström
on 2020/04/20 14:38
on 2020/04/20 14:38
To version 66.2
edited by Mikael Widström
on 2020/04/20 14:45
on 2020/04/20 14:45
Change comment: There is no comment for this version
Summary
-
Page properties (1 modified, 0 added, 0 removed)
Details
- Page properties
-
- Content
-
... ... @@ -50,39 +50,9 @@ 50 50 51 51 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. 52 52 53 -=== Mapping card-transaction to credit-account === 53 +=== 54 +Authorizations === 54 54 55 -|=(% style="width: 233px;" %)Card Transaction Api (this api)|=(% style="width: 134px;" %)Type|=(% style="width: 256px;" %)Credit Account Api|=(% 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 small small small 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" %)n/a|(% 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" %)((( 59 -[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 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" %)((( 62 -[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 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" %)((( 65 -[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 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" %)((( 68 -[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 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" %)((( 71 -[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 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. 74 - 75 -//Complete specification of credit-account api can be found [[here>>doc:Main.credit-account.api.credit-account.WebHome]].// 76 - 77 - 78 -(% class="box infomessage" %) 79 -((( 80 -Financial transactions of type purchase that do not have a corresponding authorization are usually subject to liability shift, meaning that if the transaction fails in the clearing the financial risk is transferred to the mechants. Financial transactions are batch processed in clearing files and do not occur in real time. 81 -))) 82 - 83 -== 84 -Authorizations == 85 - 86 86 (% class="wikigeneratedid" %) 87 87 An authorization is done as the first step in using an account as payment. A successful authorization leads to a reservation on the account, the account is identified through the **cardToken.** The authorization is not a financial transaction, to make the financial transaction a Purchase (or other type of transaction) must be posted on the authorization. 88 88 ... ... @@ -662,6 +662,41 @@ 662 662 ))) 663 663 |(% style="width:337px" %)date|(% style="width:121px" %)date|(% style="width:164px" %)[[ISO 8601>>url:http://en.wikipedia.org/wiki/ISO_8601||rel="noreferrer" title="ISO8601 on Wikipedia"]]|(% style="width:1156px" %)valuedate of the transaction 664 664 635 +(% class="wikigeneratedid" %) 636 +== == 637 + 638 += Mapping card-transaction to credit-account = 639 + 640 +|=(% style="width: 233px;" %)Card Transaction Api (this api)|=(% style="width: 134px;" %)Type|=(% style="width: 256px;" %)Credit Account Api|=(% style="width: 1043px;" %)Description 641 +|(% 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 small small small small small" %)##reservedAmount##" property>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HAccounts]](%%). 642 +|(% 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" %)n/a|(% 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. 643 +|(% 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" %)((( 644 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 645 +)))|(% 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) 646 +|(% 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" %)((( 647 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 648 +)))|(% style="width:1043px" %)(% class="small" %)A correction of the purchase transaction if it was invalid. 649 +|(% 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" %)((( 650 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "purchase"**## 651 +)))|(% 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.// 652 +|(% 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" %)((( 653 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 654 +)))|(% style="width:1043px" %)(% class="small" %)A correction of the cash-withdrawal transaction if it was invalid. 655 +|(% 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" %)((( 656 +[[../transactions>>https://developer.payex.com/xwiki/wiki/developer/view/Main/credit-account/api/credit-account/#HTransactions]] (% class="small" %)##**"type" : "credit"**## 657 +)))|(% style="width:1043px" %)(% class="small" %)The payer returns the merchandise and the money i returned to the account holders account 658 +|(% 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. 659 + 660 +//Complete specification of credit-account-api can be found [[here>>doc:Main.credit-account.api.credit-account.WebHome]].// 661 + 662 +(% class="box infomessage" %) 663 +((( 664 +Financial transactions of type purchase that do not have a corresponding authorization are usually subject to liability shift, meaning that if the transaction fails in the clearing the financial risk is transferred to the mechants. Financial transactions are batch processed in clearing files and do not occur in real time. 665 +))) 666 + 667 +(% class="wikigeneratedid" %) 668 +== == 669 + 665 665 == RKHA21 format == 666 666 667 667 If the original source for the transactions towards purchases/cash-withdrawals/reversals/corrections is the RKHA21 file the below rules should be used to set the AcquirerBatchId.