| Authorization |
MTID=0100, Txn_Type=A |
Request for a real-time authorization decision. |
Validate the request, evaluate balance and business rules, and return approve, decline, or partial approval when applicable. |
| Authorization repeat |
Usually same authorization context with retry or repeat indicators, such as SendingAttemptCount. |
Repeated delivery of an authorization message. |
Check whether the original message was already processed. Do not apply duplicate balance or ledger impact. Return the same logical response when applicable. |
| Authorization advice |
Advice-style authorization message. |
Notification related to an authorization event. |
Process for transaction history, balance handling, or reconciliation according to your internal rules. |
| Authorization reversal |
MTID=0400 or MTID=0420, commonly with Txn_Type=D. |
Reversal or adjustment of a previous authorization impact. |
Match to the original authorization and release or adjust the related blocked amount. |
| Financial / presentment |
Financial notification or first presentment message. |
Notification that a transaction is being financially presented or posted. |
Match to the original authorization when possible, post or reconcile the transaction, and acknowledge receipt. |
| Financial reversal |
Financial reversal message. |
Reversal of a previous financial/presentment impact. |
Match to the previous financial message and reverse or adjust the prior posted impact. |
| Chargeback |
Chargeback notification. |
Dispute-related financial event. |
Process according to your dispute, ledger, and reconciliation rules. |
| Chargeback reversal |
Chargeback reversal notification. |
Reversal of a previous chargeback impact. |
Match to the original chargeback and reverse or adjust the dispute-related impact. |
| Cut-off |
CutOffId present. |
Summary-style cut-off message for reconciliation and acknowledgement tracking. |
Process the cut-off message, detect duplicates using CutOffId, and return Cut_OffResult. |