Authorization Webhook

data Object (event payload)

Field	Value	Is Required	Description
account	object	Yes	IDs and identifiers associated with the account of an event (see below)
timestamp	Date	Yes	Date and time the event is received by Berkeley
amount	string	Yes	The amount of the authorization request. Ex: "10.25"
authorization_id	string	No	Processor provided id for transaction
original_authorization_id	string	No	The ID of the prior authorization in the sequence. For example, in a preauthorization-completion sequence, the original auth ID would be for the preauthorization. For a reversal, the original auth ID would be for the prior authorization that is being reversed.
authorization_response_code	string	No	see below for list
surcharge_amount	string	No	The surcharge amount added by the merchant or ATM operator. This amount is included in amount.
rules_result	string	Yes	Comma delimited list of DENY, WARN, or FREEZE rules. Example: “hr_crypto:DENY, intl_cnp_ecom:DENY”
type	string	No	Type of authorization
network	string	Yes	Type of network
billing_curr_code	string	No	Currency code for billing_amt. Example: "840"
local_currency	string	No	Currency code for local_currency_amount. Example: "124"
local_currency_amount	string	No	Amount of the transaction in the currency at the point of sale. No fees or up-charges included.
merchant	object	Yes	Merchant Information
terminal_id	string	No	Terminal id of ATM if available

account Object

Field	Value	Is Required	Description
id	integer	Yes	id of cardholder account
cardholder_id	integer	Yes	id of cardholder
processor_reference	string	Yes	Reference to the account on the processor's system
available_balance	string	No	available balance of account to spend

Possible authorization_response_code

Code	Additional Description
success
issuer_error
pick_up
do_not_honor
error
partial_approval
invalid_pan
format_error
lost_fraud_pick_up
stolen_fraud_pick_up
insufficient_funds
card_expired
invalid_pin
transaction_not_permitted_to_cardholder
suspected_fraud	Visa Only
exceeds_amount_limit
pin_count_exceeded
avs_only	no reason to decline
partial_approval	POS Amount only, no cashback
system_error
invalid_cvv2	Visa Only

Sample Request

{
  "program_id": 2,
  "event": "authorization",
  "event_time": "2021-10-13T09:34:13.790651856-04:00",
  "data": {
    "account": {
      "id": 13,
      "cardholder_id": 13,
      "processor_reference": "129201097356",
      "available_balance": "10.00"
    },
    "timestamp": "2019-12-29T18:20:33Z",
    "amount": "10.25",
    "authorization_id": "12303090",
    "original_authorization_id": "12303085",
    "authorization_response_code": "do_not_honor",
    "surcharge_amount": "2.50",
    "rules_results": "hr_crypto:WARN, intl_cnp_ecom:WARN",
    "type": "L",
    "network": "V",
    "billing_curr_code": "840",
    "local_currency": "840",
    "local_currency_amount": "10.25",
    "merchant": {
      "mcc": "5712",
      "name": "Widgets Incorporated",
      "location": "NEW YORK, NY"
    }
  }
}

JSON Schema

{
  "$id": "https://api.pungle.io/schemas/event/authorization",
  "title": "Authorization Event payload",
  "type": "object",
  "properties": {
    "account": {
      "properties": {
        "id": {
          "description": "ID of cardholder account",
          "type": "number",
          "minimum": 0
        },
        "cardholder_id": {
          "description": "ID of cardholder",
          "type": "number",
          "minimum": 0
        },
        "processor_reference": {
          "description": "Reference to the account on the processor's system",
          "type": "string"
        },
        "available_balance": {
          "description": "The available balance of the account to spend",
          "type": "string"
        }
      }
    },
    "timestamp": {
      "description": "Date and time Berkeley receives the event",
      "type": "string"
    },
    "type": {
      "description": "Type of transaction",
      "type": "string"
    },
    "amount": {
      "description": "Settlement Amount. Ex: 21.45",
      "type": "string"
    },
    "surcharge_amount": {
      "description": "The surcharge amount added by the merchant or ATM operator. This amount is included in the amount field",
      "type": "string"
    },
    "terminal_id": {
      "description": "Terminal ID of ATM if available",
      "type": "string"
    }
    "authorization_id": {
      "description": "ID of the authorization that was settled",
      "type": "string"
    },
    "original_authorization_id": {
      "description": "The ID of the prior authorization in the sequence. For example, in a preauthorization-completion sequence, the original auth ID would be for the preauthorization. For a reversal, the original auth ID would be for the prior authorization that is being reversed.",
      "type": "string"
    },
     "billing_curr_code": {
       "description": "Currency code for billing amount. Ex: 840",
       "type": "string"
    },
     "local_currency": {
       "description": "Currency code for local currency amount. Ex: 124",
       "type": "string"
    },
     "local_currency_amount": {
       "description": "Amount of the transaction in the currency at the point of sale",
       "type": "string"
    },
     "rules_result": {
       "description": "Comma-delimited list of DENY, WARN or FREEZE rules from processor.",
       "type": "string"
    },
    "merchant": {
      "$ref": "/schemas/merchant"
    },
    "authorization_response_code": {
      "description": "response code from authorization",
      "type": "string",
      "enum": [
        "success",
        "issuer_error",
        "pick_up",
        "do_not_honor",
        "error",
        "partial_approval",
        "invalid_pan",
        "format_error",
        "lost_fraud_pick_up",
        "stolen_fraud_pick_up",
        "insufficient_funds",
        "card_expired",
        "invalid_pin",
        "transaction_not_permitted_to_cardholder",
        "suspected_fraud",
        "exceeds_amount_limit",
        "exceeds_count_limit",
        "pin_count_exceeded",
        "avs_only",
        "partial_approval",
        "system_error",
        "invalid_cvv2"
      ]
    }
  }
}

Denied Authorization

Field	Value	Is Required	Description
amount	string	Yes	Adjustment Amount. Ex: "21.45"
authorization_id	string	No	Processor provided id for transaction
available_balance	string	Yes	The available balance to spend. Ex: “550.00”
available_balance_timestamp	string	No	The exact date-time at which available_balance was captured. Ex: “2023-03-17 14:06:50.243654”
cashback_amount	string	No	Amount of the transaction that is cashback instead of purchase. Ex: “20.00”
currency	string	No	Currency code for amount, which is the currency of the cardholder account. Ex: 840
de003	string	No	See below list (de003)
de022	string	No	See below list (de022)
de39	string	No	See below list (de39)
domestic	string	No	Whether this is a domestic transaction. Y is domestic, N is international. Ex: “Y”
fee_amount	string	No	Transaction fee. This amount is not included in amount. Ex: “2.00”
mcc	string	Yes	Merchant category code. Ex: “5712”
merchant	object	Yes	Merchant Information
merchant_location	string	Yes	Merchant city and state. Ex: “New York, NY”
merchant_number	string	Yes	Merchant number. Ex: “L4DIV6D5LM4X7LF”
message_event_id	string	No	Unique generated identifier for this message. Ex: “243693”
network	string	Yes
original_authorization_id	string	Yes	The available balance to spend. Ex: “550.00”
processor_reference	string	Yes	Reference to the account on the processor's system
processor_timestamp	string	Yes	Date-time when this event was created in Mountain Standard Time (GMT-0700). Ex: 2023-01-29 17:20:33 MST”
risk_score	string	No	Risk score provided by the network. Higher number means higher risk.Ex:”26”
rules_result	string	Yes	Comma-delimited list of DENY, WARN or FREEZE. Ex: “hr_crypto:DENY, intl_cnp_ecom:DENY”
settlement_currency	string	No	Currency code for settlement_currency_amount. Ex: “840”
settlement_currency_amount	string	No	Amount of the settlement in the currency of the cardholder account. Ex: “35.44”
token_requester	string	No	Name of the entity that is requesting a tokenized version of the card. Ex: “Apple Inc.”
token_requester_id	string	No	Identifier for “token_requester”. Ex: “40010030273”
token_type	string	No	Name of token requester. Ex: “Apple Inc.”
transaction_currency	string	No	Currency code for transaction_currency_amount. Ex: “124”
transaction_currency_amount	string	No	Amount of the transaction in the currency at the point of sale. Ex: “1245.20”
type	string	No	Please contact Berkeley for list

Possible de003 codes

Code	Description
00	Goods and services or purchase (debit)
01	Withdrawal or cash advance (debit)
10	Money transfer funding (debit)
11	Quasi-cash (debit) or issuer only
17	Cashed check
20	Return or correction (credit)
21	Deposits (credit)
26	Money transfer credit (credit)
30	Available funds inquiry
31	Pinned account inquiry (STAR NE platform only)
33	Card/account verification
35	Account list inquiry (STAR NE platform only)
39	Account balance profile or PIN-less account inquiry
40	Transfer
50	Bill payment (debit) or payment to third party
54	Funds transfer debit
55	Payment from a third party (credit) or refund
56	Payment or funds transfer (credit)
58	Electronic payment (STAR NE platform only)
59	Payment enclosed (STAR NE platform only)
70	Prepaid card load
72	Prepaid card activation
90	PIN change
91	Statement processing

Possible de022 Codes

Code	Description
00	Unspecified
01	Manual
02	Contactless transaction originated using a mobile device emulating a magnetic-stripe read (magnetic-stripe emulation). Transaction may or may not be tokenized.
03	Bar code
04	OCR
05	Contact-chip transaction originated using chip-data rules.
06	Manual (key-entered)
07	Contactless chip transaction originated using chip-data rules. Transaction may or may not be tokenized.
08	Reserved for ISO use
09	PAN entry via electronic commerce, including remote chip (for chip-secured remote-payment transactions).
10	Credentials on file
11-60	Reserved for ISO use
61-78	Reserved for national use
79	Chip card or chip-capable terminal was unable to process the transaction using the data on the chip or magnetic stripe; the PAN was entered manually or the acquirer is not certified to process the value 80.
80	Chip card or chip-capable terminal was unable to process the transaction using the data on the chip; the PAN was entered via magnetic stripe. The full track data was read from the data encoded on the card and transmitted within the authorization request on Track 2 data (DE035) or Track 1 data (DE045) without alteration or truncation.
81	Manual PAN entry via electronic commerce.
82	Auto PAN entry via server (issuer, acquirer, or third-party vendor system).
83-89	Reserved for private use
90	Full magnetic stripe read and exact content of Track 1 and Track 2 is included (CVV check is possible). The Common AID must be present on the chip, which may reside in a mobile device or a card, and full chip data will be present in the transaction. Transaction may or may not be tokenized.
91	Contactless chip transaction originated using magnetic stripe data (MSD). Transaction may or may not be tokenized.
92-94	Reserved for private use
95	Integrated circuit card, CVV data may be unreliable due to absence of track data or failure to meet other requirements.
96	Stored value from pre-registered checkout service
97-99	Reserved for private use.

Possible de39 Codes

Code	Description
00*	Success. Authorization request approved.
01	Issuer error.
05	Do not honor. This is the default deny code when other deny codes do not apply. Also the mobile-wallet provisioning red path, or card not in active status for AVS-only checks.
10*	Partial approval. The amount approved is less than the authorization request amount.
14	Invalid PAN. This PAN does not exist in the Galileo system. Transactions with this response are not passed to the Auth API or included in the RDFs or Program API responses.
30	Format error.
41	Lost, pick up. The card has been reported lost and is in status: L. The merchant should retain the card if possible and return it to the issuer.
43	Stolen, pick up. The card has been reported stolen and is in status: S. The merchant should retain the card if possible and return it to the issuer.
51	Insufficient funds (NSF). The authorization amount is larger than the cardholder's available balance.
54	Card expired or expiry date mismatch. The card's expiry date has passed, or the value provided by the merchant does not match the value on record.
55	Invalid PIN. The wrong PIN was input in the PIN keypad.
57	Transaction not permitted to cardholder.
59	Suspected fraud. The risk score exceeds a program-specified threshold.
61	Exceeds amount limit. The transaction violates the per-transaction velocity limit set by the program.
65	Exceeds count limit. The transaction violates the number of transactions in a period velocity limit set by the program.
75	PIN count exceeded. The number of failed PIN attempts exceeds the number set by the program.
85*	AVS-only success or mobile wallet provisioning yellow path. When the transaction amount is 0.00 and the response is 85, the AVS check was successful.
87*	Partial approval (sale amount only, no cashback). The amount approved is less than the authorization request amount, and any requested cashback is denied.
96	System error.
N7	Invalid CVV2 (Visa only). The CVV2 provided in a card-not-present transaction did not match the CVV2 on record.

Denied Authorization Sample Request

{
  "program_id": 2,
  "event": "denied_auth",
  "event_time": "2021-09-28T10:24:33.984276159-04:00",
  "data": {
    "account": {
      "id": 1,
      "cardholder_id": 1,
      "processor_reference": "129201097356",
      "available_balance": "10.00",
      "available_balance_timestamp": "2021-09-28T10:24:33.984276159-04:00"
    },
    "amount": "10.25",
    "authorization_id": "12303090",
    "cashback_amount": "20.00",
    "currency": "840",
    "de003_processing_code": "002000",
    "de022_pos_entry_mode": "071",
    "de39_authorization_response_code": "01",
    "domestic": true,
    "fee_amount": "2.00",
    "transaction_currency": "124",
    "transaction_amount": "1245.20",
    "surcharge_amount": "2.50",
    "merchant": {
      "mcc": "5712",
      "location": "NEW YORK, NY",
      "name": "Widgets Incorporated",
      "number": "L4DIV6D5LM4X7LF"
    },
    "message_event_id": "243693",
    "network": "visa",
    "original_authorization_id": "12303085",
    "type": "W",
    "risk_score": "26",
    "rules_results": "hr_crypto:DENY, intl_cnp_ecom:DENY",
    "settlement_currency": "840",
    "settlement_currency_amount": "35.44",
    "processor_timestamp": "2021-09-28T10:24:33.984276159-04:00",
    "token_requester": "Apple Inc.",
    "token_requester_id": "40010030273",
    "token_type": "Apple Inc."
  }
}