Solutioning
Card Transaction Lifecycles
This document is to provide end to end maps of common card transaction lifecycles.
Card Transaction Lifecycles
There are various flows that can happen regarding the lifecycle of a transaction, including standard authorization, AFDs (including Advice, Single Transaction, and Multiple Clearings). See maps below for holistic overviews of these lifecycles, and our full Card Transactions Guide for more details. To participate in auth decisioning, use our /v0/cards/gateways endpoint.Standard Authorization w/ Gateway
FAQs
The customer has a refund authorization that is pending. Is there anything Synctera can do to post it?
The customer has a refund authorization that is pending. Is there anything Synctera can do to post it?
Why did this card transaction post even though we froze the card (or customer, or account)?
Why did this card transaction post even though we froze the card (or customer, or account)?
- When we approve a transaction, we check things like card, customer, and account eligibility, and account balance. Once approved, we have no further control over what happens to a transaction beyond deciding if increase or decrease requests from the merchant are approved.
- If the transaction was approved before the freeze, the posting cannot be rejected. We can only update the ledger accordingly when the message tells us the transaction has cleared.
Why did this card transaction post even though the account balance went negative?
Why did this card transaction post even though the account balance went negative?
- When we approve a transaction, we check things like card, customer, and account eligibility, and account balance. Once approved, we have no further control over what happens to a transaction beyond deciding if increase or decrease requests from the merchant are approved.
- If the transaction was approved at a point when the account balance was sufficient, and then some other forced transaction occurred that drew the balance below the pending amount, the posting cannot be rejected.
The original authorization for this restaurant/Uber transaction was $10. Why did it change to $12 when it posted?
The original authorization for this restaurant/Uber transaction was $10. Why did it change to $12 when it posted?