9.5 CardAuthorisation

CardAuthorisation provide details of payment authorisation advices. There are two types of CardAuthorisation records:

  • Authorisation Advice

  • Authorisation Reversal

You can use the RecType element to determine the type of record.

You can use the AuthId element to uniquely identify the record and distinguish it from all other CardAuthorisation records.

Child Element

Description

Data Type

Required

Constraints / Permitted

Values

RecType

Record type, indicates Advice or Reversal.

<RecType>

Yes

See the RecType sub-element

AuthId

Unique identifier for this CardAuthorisation record.

xs:unsignedLong

Yes

0 to 2^64

AuthTxnId

Alternative unique identifier of a CardAuthorisation record.

xs:unsignedInt

Yes

0 to 2^32

LocalDate

The date and time the record was generated by the terminal (POS or ATM) or acquirer.

<LocalDate>

Yes

See the LocalDate sub-element

LocalDateUTC

The transaction date and Time in UTCClosed The external system to which sends real-time transaction-related data. The URL to this system is configured within per programme or product. The Program Manager uses their external host system to hold details of the balance on the cards in their programme and perform transaction-related services, such as payment authorisation, transaction matching and reconciliation. as received from Discover.

Numeric

Yes

Format: MMDDHHMMSS

10 digits

SettlementDate

Not applicable to Discover. Provides the Thredd transaction date.

<SettlementDate>

Yes

See the SettlementDate sub-element

Card

Details of the card used in the transaction. 

<Card>

Yes

See the Card sub-element

Account

Details of the cardholder account.

<Account>

Yes

See the Account sub-element

TxnCode

Indicates the type of transaction.

<TxnCode>

Yes

See the TxnCode sub-element

TxnAmt

Indicates the value of the transaction requested by the cardholder.

<BasicAmount>

Yes

See the TxnAmt sub-element

CashbackAmt

Not applicable to Discover.

<BasicAmount>

Yes

See the CashbackAmt sub-element

BillAmt

The amount posted to the cardholder account. Note that the amount does not include interchange.

<RateAmount>

Yes

See the BillAmt sub-element

ApprCode

The Approval Code generated by the issuer and printed on the receipt.

<ApprCode>

Yes

See the ApprCode sub-element

Trace

Information used to uniquely identify the transaction.

<Trace>

Yes

See the Trace sub-element

MerchCode

A unique code identifying the merchant (also known as the Card Acceptor Identifier).

<MerchCode>

Yes

See the MerchCode sub-element

Term

Describes the terminal used for the transaction.

<Term>

Yes

See the Term sub-element

Schema

Indicates the name of the card scheme.

<Schema>

Yes

See the Schema sub-element

Txn

Describes the validation and authentication properties used in a transaction.

<Txn>

Yes

See the Txn sub-element

MsgSource

Describes the derivative source of the record.

<MsgSource

CardAuthorisation>

Yes

See the MsgSource sub-element

PaddingAmt

The amount of padding applied to the authorisation, which is the amount by which the authorisation is Greater than the corresponding financial transaction.

<BasicAmount>

Yes

See the PaddingAmt sub-element

Rate_Fee

The amount of any rate-based POS or ATM fee that was charged.

xs:decimal

Yes

 

Fixed_Fee

The amount of any fixed POS or ATM fee that was charged.

xs:decimal

Yes

 

CommissionAmt

The amount of commission applied to the authorisation, which is the indication of the charges applicable to the corresponding Financial Transaction.

<BasicAmount>

Yes

See the CommissionAmt sub-element

Classification

Merchant classification.

<Classification>

Yes

See the Classification sub-element

Response

Indicates transaction approval. 

<Response>

Yes

See the Response sub-element

OrigTxnAmt

The value of the original transaction amount requested by the cardholder (only used in CardAuthorisation reversals).

<PartialAmount>

If Applicable

Only applicable if the RecType is “REV”,

See the OrigTxnAmt sub-element

ReversalReason

The reason for the reversal (only used in CardAuthorisation reversals).

<ReversalReason>

If Applicable

Only applicable if the RecType is “REV”.

See the ReversalReason sub-element

PaymentToken

This element is populated from Payment Token data when a Payment Token was used for the transaction. If no Payment Token was used, then the PaymentToken element is omitted.

Not applicable to Discover phase 1

<PaymentToken>

If Applicable

See the PaymentToken sub-element

Sender

Not applicable to Discover.

<Sender>

If Applicable

See the Sender sub-element

Receiver

Not applicable to Discover.

<Receiver>

If Applicable

See the Receiver sub-element

Example

Copy 
<CardAuthorisation>
    <RecType>ADV</RecType>
    <AuthId>13964964720</AuthId>
    <AuthTxnID>6109323477</AuthTxnID>
    <LocalDate>20240213210623</LocalDate>
    <LocalDateUTC>0213210622</LocalDateUTC>
    <SettlementDate>20240213</SettlementDate>
    <Card PAN="57928830200321" product="DGN" programid="PPCITY" productid="1463" branchcode="" />
    <Account no="288302003" type="07" />
    <TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" Partial="NA" FeeWaivedOff="0" />
    <TxnAmt value="8.99" currency="826" />
    <CashbackAmt value="0.00" currency="826" />
    <BillAmt value="8.99" currency="826" rate="1.000000" clientfxrate="0.00000000" />
    <ApprCode>183785</ApprCode>
    <Trace auditno="383521" origauditno="383521" Retrefno="404451383521" />
    <MerchCode>057181000156182</MerchCode>
    <Term code="00057181" location="CORNERSTONE\123 KING STREET\LONDON\WC1B 4DA     826" street="123 KING STREET " city=" LONDON " country="GB" inputcapability="6" authcapability="12" />
    <Schema>DGN</Schema>
    <Txn cardholderpresent="4" cardpresent="0" cardinputmethod="F" cardauthmethod="8" cardauthentity="8" />
    <MsgSource value="70" domesticMaestro="no" />
    <PaddingAmt value="0.00" currency="826" />
    <Rate_Fee value="0.00" />
    <Fixed_Fee value="0.00" />
    <CommissionAmt value="0.00" currency="826" />
    <Classification MCC="5968" />
    <Response approved="no" actioncode="4" responsecode="51" additionaldesc="DR: Auth Amount        :8.9900  Total                    :8.9900    Available Amount :0.0000       ==          Decline! CORNERSTONE\123 KING STREET\LONDON\WC1B 4DA     826" />
    <OrigTxnAmt value="8.99" currency="826" />
    <ReversalReason />
    <PaymentToken id="" creator=" " expdate="" type=" " status="" creatorstatus="" wallet="" devicetype="" lang="  " activationexpiry="" activationmethod="" />
    <Sender/> 
    <Receiver/> 
  </CardAuthorisation>