Lifecycle stage Message type Purpose Expected handling by your system
Authorization decisioning 0100 / A Request an authorization decision. Approve, decline, or partially approve based on your internal rules.
Authorization repeat 0101 / A Repeat or retry an authorization-related message. Match to the original authorization and return the same logical response when possible.
Authorization advice 0120 / J Notify your system of an authorization-related event. Match to the original authorization and update block, balance, ledger, or reconciliation records.
Authorization reversal 0120 / D, 0400 / D, 0420 / D Reverse or adjust a previous authorization impact. Match to the original authorization and release or adjust the blocked amount.
Financial / presentment 1240 / P, 05pp / P, 06pp / P, 07pp / P Post or reconcile the final financial transaction. Match to the authorization when possible, release related blocks, and post or reconcile the transaction.
Financial reversal 1240 / E, 25pp / E, 26pp / E, 27pp / E Reverse or adjust a previous financial posting. Match to the prior financial notification and reverse or adjust the posted impact.
Chargeback 1240 / C, 1240 / H Notify your system of a dispute-related financial event. Update dispute, ledger, transaction history, and reconciliation records.
Chargeback reversal 1240 / K Reverse or adjust a previous chargeback impact. Match to the original chargeback when possible and reverse or adjust the chargeback-related impact.
Cut-off CutOffId Support cut-off and reconciliation processing. Process using CutOffId and return the required Cut_OffResult.