2.2 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

Auth_type

Details on the type of authorisation for distinguishing between normal authorisations and pre-authorisations (or pre-auths).

xs:string

Yes

See the Auth_type sub-element

AuthId

Unique identitifier for this CardAuthorisation record.

xs:unsignedLong

Yes

0 to 2^64

AuthTxnId

Alternative unique identitifier 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 Coordinated Universal Time or UTC is the primary time standard by which the world regulates clocks and time. as received from Mastercard, Visa, and MNE for the matching authorisation of the advice or reversal.

<LocalDateUTC>

Yes

See the LocalDateUTC sub-element

SettlementDate

The date the transaction was processed (in UK time).

<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 theTxnAmt sub-element

CashbackAmt

Details of cashback requested by the cardholder.

<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.

Note: Not applicable to Discover Global Network.

<PaymentToken>

If Applicable

See the PaymentToken sub-element

Sender

Provides details of the sender of the payment, where there is a money transfer.

Note: Not applicable to Discover Global Network.

<Sender>

If Applicable

See the Sender sub-element

Receiver

Provides details of the receiver of the payment, where there is a money transfer.

Note: Not applicable to Discover Global Network.

<Receiver>

If Applicable

See the Receiver sub-element

Example

Copy 
<CardAuthorisation>
    <RecType>ADV</RecType>
    <Auth_type>0</Auth_type>
    <AuthId>6150002642</AuthId>
    <AuthTxnID>0</AuthTxnID>
    <LocalDate>20220910191808</LocalDate>
    <LocalDateUTC />
    <SettlementDate>20220910</SettlementDate>
    <Card PAN="9999999999999995" MaskedPAN="999999******9995" product="MCRD" programid="ALGUKD" productid="1748" branchcode="" />
    <Account no="" type="01" />
    <TxnCode direction="debit" Type="pos" Group="pos" ProcCode="000000" Partial="NA" FeeWaivedOff="0" />
    <TxnAmt value="834.83" currency="826" />
    <CashbackAmt value="0.00" currency="826" />
    <BillAmt value="834.83" currency="826" rate="0.000000" clientfxrate="0.00000000" />
    <ApprCode />
    <Trace auditno="684023" origauditno="684023" Retrefno="" />
    <MerchCode />
    <Term code="" location="" street="" city="" country="GB" inputcapability="0" authcapability="12" />
    <Schema>MCRD</Schema>
    <Txn cardholderpresent="9" cardpresent="9" cardinputmethod="0" cardauthmethod="8" cardauthentity="8" />
    <MsgSource value="67" domesticMaestro="no" />
    <PaddingAmt value="0.00" currency="826" />
    <Rate_Fee value="5.87" />
    <Fixed_Fee value="14.27" />
    <CommissionAmt value="20.14" currency="826" />
    <Classification MCC="" />
    <Response approved="yes" actioncode="0" responsecode="" additionaldesc="Payment made" />
    <OrigTxnAmt value="834.83" currency="826" />
    <ReversalReason />
    <PaymentToken id="5326" creator="MC-MDES" expdate="2025-12-01" type="C" status="00" creatorstatus="A" wallet="ANDROID"
    devicetype="U" lang="" activationexpiry="2011-11-11 11:11:00" activationmethod="1" />
  </CardAuthorisation>