Appendix E: Transaction Types

Transaction type	Description
Auth Not Cleared	An authorisation that has not cleared. Thredd has not yet received a presentment that can be matched to the authorisation on the token. If Thredd does not receive a presentment that can be linked to the authorisation, Thredd reverses the authorisation automatically after the hanging auth filter period has expired (as specified by the client for the product). For standard authorisations this is typically 7 days. It is usually longer (up to 30 days) for merchants using pre-authorisations, including but not limited to Car Hire and Hotels.
Auth Cleared	An authorisation which has cleared. Thredd has received a presentment that could be matched to the authorisation.
Declined	A transaction that has been declined. To find the decline reason, scroll right to the notes field of the transaction to display the reason for the decline. For a list of the most common decline reasons, read Appendix A: Common Decline Reasons.
Reversed	An authorisation that was reversed. To find the reversal reason, right click the reversal and choose More details > View transaction details. Observe the Response Status (DE039). There are various reasons for a reversal, including: Customer Cancellation Wrong Format Manual Reversal Issuer Time-Out For a full list of reasons, refer to the Mastercard Customer Interface Specification or Visa Base manual.
Load/Unload	Load and unload Web Service. For example: A load channel such as a retailer PayPoint in the UK, Ireland or Romania Unloaded by the Program Manager
Presentment	A transaction for authorisations that require settlement. First presentment occurs when the merchant sends a request to take either part or all of the amount previously authorised on the card.
Balance Adjust	An adjustment to the balance or the blocked amount. This can be a Credit or a Debit.
Offline	Offline transactions occur when a presentment is received without a matching authorisation. This can happen in situations where an authorisation is not possible (for example, a transaction on a plane where there is no internet connection).
Expiry	Transaction Expiry, response 54 Expired Card (Process – Debits Unload).
Refund/ Fin Rev	Presentment returning funds to the Card Holder/ Financial Reversal – Process (Credits for Refund).
Payment	Payment originating from non-card network entity, paying funds into or out of the customer account (for example, Faster Payments, BACS, Direct Debits via Agency Banking).
Auth Advice	A system generated message about the transaction. This message is for information only (typically from Visa or Mastercard) and has no effect on the transaction. For example, it may note a slow response time.
Unknown	Card not found: Unknown Card. In large volumes this can indicate a BIN attack. For more information, read the FAQs.

Auth Not Cleared

An authorisation that has not cleared. Thredd has not yet received a presentment that can be matched to the authorisation on the token. If Thredd does not receive a presentment that can be linked to the authorisation, Thredd reverses the authorisation automatically after the hanging auth filter period has expired (as specified by the client for the product). For standard authorisations this is typically 7 days. It is usually longer (up to 30 days) for merchants using pre-authorisations, including but not limited to Car Hire and Hotels.

Auth Cleared

An authorisation which has cleared. Thredd has received a presentment that could be matched to the authorisation.

Declined

A transaction that has been declined. To find the decline reason, scroll right to the notes field of the transaction to display the reason for the decline. For a list of the most common decline reasons, read Appendix A: Common Decline Reasons.

Reversed

An authorisation that was reversed. To find the reversal reason, right click the reversal and choose More details > View transaction details. Observe the Response Status (DE039). There are various reasons for a reversal, including:

Customer Cancellation
Wrong Format
Manual Reversal
Issuer Time-Out

For a full list of reasons, refer to the Mastercard Customer Interface Specification or Visa Base manual.

Load/Unload

Load and unload Web Service. For example:

A load channel such as a retailer
PayPoint in the UK, Ireland or Romania
Unloaded by the Program Manager

Presentment

A transaction for authorisations that require settlement. First presentment occurs when the merchant sends a request to take either part or all of the amount previously authorised on the card.

Balance Adjust

An adjustment to the balance or the blocked amount. This can be a Credit or a Debit.

Offline

Offline transactions occur when a presentment is received without a matching authorisation. This can happen in situations where an authorisation is not possible (for example, a transaction on a plane where there is no internet connection).

Expiry

Transaction Expiry, response 54 Expired Card (Process – Debits Unload).

Refund/ Fin Rev

Presentment returning funds to the Card Holder/ Financial Reversal – Process (Credits for Refund).

Payment

Payment originating from non-card network entity, paying funds into or out of the customer account (for example, Faster Payments, BACS, Direct Debits via Agency Banking).

Auth Advice

A system generated message about the transaction. This message is for information only (typically from Visa or Mastercard) and has no effect on the transaction. For example, it may note a slow response time.

Unknown

Card not found: Unknown Card. In large volumes this can indicate a BIN attack. For more information, read the FAQs.