# Transactions Flow

A transaction in the processing flow can be in different states:

<span id="bkmrk--1" style="font-weight: normal;"><span style="border-width: initial; border-style: none; display: inline-block; overflow: hidden; width: 315px; height: 194px;">![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXfSLkWnJHymJL9jAsWi4omqAZ7g6gir1uWZVGOv3KgIqTDbihc4qK9_4ytvX0pYl66_DTHwvPuZG4DX84rEkh8n4a5_YUAqXSZqvkf1luD45KVwiSRxXMtUdOG_ocplgTz0Tx4y_mevRIrVK9ySCNaujwU-?key=NS5b2Bm7DMNJWpnVqlNUoQ)</span></span>

<table border="1" id="bkmrk-status-description-a" style="border-collapse: collapse; width: 100%; height: 119.188px;"><colgroup><col style="width: 15.3858%;"></col><col style="width: 84.6142%;"></col></colgroup><thead><tr style="height: 29.7969px;"><td class="align-left" style="height: 29.7969px;">Status</td><td style="height: 29.7969px;">Description</td></tr></thead><tbody><tr style="height: 29.7969px;"><td style="height: 29.7969px;"><span id="bkmrk-authorized">AUTHORIZED</span></td><td style="height: 29.7969px;">transaction was successfully authorized. Resources on Cardholder's account are blocked, and the amount is "promised" to the merchant. At this moment none of the resources transfer was performed.

</td></tr><tr style="height: 29.7969px;"><td style="height: 29.7969px;"><span id="bkmrk-cleared">CLEARED</span></td><td style="height: 29.7969px;">transaction is settled successfully. Resources on Cardholder's account gets unblocked and transferred to Merchant's account. Block on Cardholder account becomes charge, and "promised" amount becomes income on Merchant's account.

</td></tr><tr style="height: 29.7969px;"><td style="height: 29.7969px;"><span id="bkmrk-reversed">REVERSED</span></td><td style="height: 29.7969px;">transaction was withdrawn, for example as error reported by Merchant. Block is removed and resources on the Cardholder account stay unmoved.

None of the transfers is performed.

</td></tr></tbody></table>

Transaction processing status in Antaca system:

<table border="1" id="bkmrk-status-description-e" style="border-collapse: collapse; width: 100%; height: 925.438px;"><colgroup><col style="width: 15.3754%;"></col><col style="width: 42.3123%;"></col><col style="width: 42.3123%;"></col></colgroup><thead><tr style="height: 29.7969px;"><td style="height: 29.7969px;">**Status**</td><td style="height: 29.7969px;">Description</td><td style="height: 29.7969px;">Example - Legacy Transaction Notifier</td></tr></thead><tbody><tr style="height: 298.547px;"><td style="height: 298.547px;">SUCCESS</td><td style="height: 298.547px;">indicates that the transaction (**AUTHORIZED, CLEARED OR REVERSED**) has been successfully processed in Antaca. </td><td style="height: 298.547px;">{"status":"SUCCESS","date":"2023-01-01T06:01:39+00:00","description":"Description","transaction":{"id":"79c353a-1421-46ca-8d74-c5dca67942fe","balanceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resourceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resource":"card","cardId":"100","externalTransactionId":"478927492","referenceExternalTransactionId":null,"type":"POS","category":"DEBIT","amount":300,"currency":"EUR","originalAmount":1000,"originalCurrency":"POL","status":"AUTHORIZED","description":"Description","date":"2023-01-01T06:01:39+00:00","referenceExternalTransactionDate":null,"transactionData":{"mcc":"5816","merchantIdentifier":"7498274892","captureMode":"ECOM","lastFourDigits":"1000","acquirerCountry":"POL"}}}</td></tr><tr style="height: 315.344px;"><td style="height: 315.344px;">DECLINED</td><td style="height: 315.344px;">indicates that the transaction has been declined. None of the funds are transferred from Cardholder's account.

The reason for the transaction rejection (description parameter) is listed in the documentation in the table below: https://developer.verestro.com/books/card-management-system/page/your-apis-for-us#bkmrk-external-transaction

An example of a rejected transaction could be insufficient funds in the account (INSUFFICIENT\_FUNDS).

</td><td style="height: 315.344px;">{"status":"DECLINED","date":"2023-01-01T06:01:39+00:00","description":"Description","transaction":{"id":"79c353a-1421-46ca-8d74-c5dca67942fe","balanceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resourceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resource":"card","cardId":"100","externalTransactionId":"74892729","referenceExternalTransactionId":null,"type":"POS","category":"DEBIT","amount":70000,"currency":"EUR","originalAmount":70000,"originalCurrency":"EUR","status":"AUTHORIZED","description":"Description","date":"2023-01-01T06:01:39+00:00","referenceExternalTransactionDate":null,"transactionData":{"mcc":"2312","merchantIdentifier":"000000136 ","captureMode":"ECOM","lastFourDigits":"1000","acquirerCountry":"POL"}}}</td></tr><tr style="height: 281.75px;"><td style="height: 281.75px;">INVALID</td><td style="height: 281.75px;">indicates that the transaction can't be processed. None of the funds are transferred from Cardholder's account.</td><td style="height: 281.75px;">{"status":"INVALID","date":"2023-01-01T06:01:39+00:00","description":"Description","transaction":{"id":"79c353a-1421-46ca-8d74-c5dca67942fe","balanceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resourceId":"79c353a-1421-46ca-8d74-c5dca67942fe","resource":"card","cardId":"100","externalTransactionId":"78391719","referenceExternalTransactionId":"783197893","type":"Adjustment","category":"CREDIT","amount":800,"currency":"EUR","originalAmount":null,"originalCurrency":null,"status":"REVERSED","description":"Description","date":"2023-01-01T06:01:39+00:00","referenceExternalTransactionDate":"2023-01-01T06:01:39+00:00","transactionData":\[\]}}</td></tr></tbody></table>


### Transaction Processing Cases

#### REVERSAL

Transaction reversal may occur in several cases:

- The merchant did not receive a timely response regarding the authorization status from the payment schema or there were connection problems on the payment schema which generated a timeout on the merchant's side.
- A timeout occurred on the merchant's side and the transaction could not be completed.

Below are examples of payloads from individual services: for (1.) Debit transaction and (2.) Reversal that follows:

<table border="1" id="bkmrk-legacy-transaction-n" style="border-collapse: collapse; width: 100%; height: 1617.91px;"><colgroup><col style="width: 18.4744%;"></col><col style="width: 28.6055%;"></col><col style="width: 28.0095%;"></col><col style="width: 25.0298%;"></col></colgroup><thead><tr style="height: 29.7969px;"><td style="height: 29.7969px;">  
</td><td style="height: 29.7969px;">**Legacy Transaction Notifier**</td><td style="height: 29.7969px;">**Transaction History Core**</td><td style="height: 29.7969px;">**External Balance**</td></tr></thead><tbody><tr style="height: 785.656px;"><td style="height: 785.656px;">1. Debit transaction</td><td style="height: 785.656px;">`{"status":"SUCCESS","date":"2023-01-01T10:10:57+00:00","description":"APPROVED","transaction":{"id":"24cbc777-de3f-42e2-b772-7d5427dc616e","balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","resourceId":"59664b2b-8403-4205-a400-92283fa95ffe","resource":"card","cardId":"222","externalTransactionId":"177482","referenceExternalTransactionId":null,"type":"POS","category":"DEBIT","amount":2233,"currency":"EUR","originalAmount":76000,"originalCurrency":"THB","status":"AUTHORIZED","description":"Description","date":"2023-01-01T10:10:54+00:00","referenceExternalTransactionDate":null,"transactionData":{"mcc":"4121","merchantIdentifier":"12345678","captureMode":"ECOM","lastFourDigits":"1234","acquirerCountry":"THA"}}}`  
</td><td style="height: 785.656px;">`{"id":81111111,"clientTransactionId":"24cbc777-de3f-42e2-b772-7d5427dc616e","amountMinor":2233,"currency":"EUR","type":"PURCHASE","status":"AUTHORIZED","timestamp":"2023-01-01T10:10:54Z","description":"Description","comment":null,"userId":111,"userExternalId":null,"cardId":222,"externalCardId":null,"deviceId":null,"externalDeviceId":null,"paymentTokenId":null,"cardLastFourDigits":"1234","paymentTokenLastFourDigits":null,"cardBin":"555770","userPhone":"48111222333","userEmail":"example@example.com","merchantName":"Description","merchantPostalCode":null,"merchantTransactionId":"177482","transactionCountryCode":"THA","comboCardAccountType":null,"issuerResponseInformation":null,"transactionChannel":"ECOMMERCE","area":"PREPAID","ibanId":null,"deviceInstallationId":null,"employeeGroupId":null,"issuerId":null,"corporationId":null,"mcc":"4121","mccCategory":null,"balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","originalAmountMinor":76000,"originalCurrency":"THB","exchangeRate":34.053252272342,"balanceMinorValueAfterTransaction":20000,"commissionMinorValue":22,"clearingTimestamp":null,"parentId":null,"ica":null,"contrahent":{"iban":null,"bic":null,"name":"Description"},"attachmentStatus":"EMPTY","incorrectAttachmentStatusReason":null,"labels":[],"categoriesInfo":null,"walletReference":null,"balanceMinorValueBeforeTransaction":null,"interchangeMinorAmount":null,"interchangeCurrency":null}`  
</td><td style="height: 785.656px;">**endpoint:**

<div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-external-url-value" id="bkmrk-transactions%2Fdebit"><span style="background-color: rgb(248, 202, 198);">**transactions/debit**</span></div></div></div></div><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22id%22%3A%2224cbc777-de3f"><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22id%22%3A%2224cbc777-de3f-1">`{"id":"24cbc777-de3f-42e2-b772-7d5427dc616e","balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","resourceId":"59664b2b-8403-4205-a400-92283fa95ffe","resource":"card","transactionId":"177482","referenceTransactionId":null,"type":"pos","amount":2233,"currency":"EUR","originalAmount":76000,"originalCurrency":"THB","status":"AUTHORIZED","description":"Description","date":"2023-01-01T10:10:54+00:00","transactionData":{"mcc":"4121","merchantIdentifier":"12345678","merchantName":null,"captureMode":"ECOM","cardId":"222","lastFourDigits":"1234","acquirerCountry":"THA","mdesDigitizedWalletId":null,"cashbackPosCurrencyCode":null,"cashbackPosAmount":"0","lastFourDpan":null,"adjustmentReasonDescription":null,"retrievalReferenceNumber":"443322110088"}}`</div></div></div></div></div></div></div></div></td></tr><tr style="height: 802.453px;"><td style="height: 802.453px;">2. Reverse transaction</td><td style="height: 802.453px;"><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22status%22%3A%22success%22%2C">`{"status":"SUCCESS","date":"2023-01-01T11:50:10+00:00","description":"APPROVED","transaction":{"id":"24cbc777-de3f-42e2-b772-7d5427dc616e","balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","resourceId":"59664b2b-8403-4205-a400-92283fa95ffe","resource":"card","cardId":"222","externalTransactionId":"2678823","referenceExternalTransactionId":"177482","type":"Adjustment","category":"CREDIT","amount":2233,"currency":"EUR","originalAmount":null,"originalCurrency":null,"status":"REVERSED","description":"Description","date":"2023-01-01T13:43:30+00:00","referenceExternalTransactionDate":"2023-01-01T10:10:54+00:00","transactionData":[]}}`</div></div></div></div></td><td style="height: 802.453px;"><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22id%22%3A9123423%2C%22clien">`{"id":81111111,"clientTransactionId":"24cbc777-de3f-42e2-b772-7d5427dc616e","amountMinor":0,"currency":"EUR","type":"PURCHASE","status":"REVERSED","timestamp":"2023-01-01T10:10:54Z","description":"Description","comment":null,"userId":111,"userExternalId":null,"cardId":222,"externalCardId":null,"deviceId":null,"externalDeviceId":null,"paymentTokenId":null,"cardLastFourDigits":"1234","paymentTokenLastFourDigits":null,"cardBin":"555770","userPhone":"48111222333","userEmail":"example@example.com","merchantName":"Description","merchantPostalCode":null,"merchantTransactionId":"2678823","transactionCountryCode":"THA","comboCardAccountType":null,"issuerResponseInformation":null,"transactionChannel":"ECOMMERCE","area":"PREPAID","ibanId":null,"deviceInstallationId":null,"employeeGroupId":null,"issuerId":null,"corporationId":null,"mcc":"4121","mccCategory":null,"balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","originalAmountMinor":76000,"originalCurrency":"THB","exchangeRate":34.053252272342,"balanceMinorValueAfterTransaction":20000,"commissionMinorValue":22,"clearingTimestamp":null,"parentId":null,"ica":null,"contrahent":{"iban":null,"bic":null,"name":"Description"},"attachmentStatus":"EMPTY","incorrectAttachmentStatusReason":null,"labels":[],"categoriesInfo":null,"walletReference":null,"balanceMinorValueBeforeTransaction":null,"interchangeMinorAmount":null,"interchangeCurrency":null}`</div></div></div></div></td><td style="height: 802.453px;">**endpoint:** <div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-external-url-value" id="bkmrk-transactions%2Fforce-c"><span style="background-color: rgb(248, 202, 198);">**transactions/force-credit**</span></div></div></div><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-external-url-value"><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22id%22%3A%2224cbc777-de3f-2"><div class="euiDataGridRowCell__content euiDataGridRowCell__content--autoHeight eui-textBreakWord css-xst660-euiDataGridRowCell__content-autoHeight" data-datagrid-cellcontent="true"><div class="euiFlexGroup css-xwlek8-euiFlexGroup-responsive-s-flexStart-flexStart-row"><div class="euiFlexItem css-9sbomz-euiFlexItem-grow-1"><div class="kbnDocViewer__value css-0" data-test-subj="tableDocViewRow-context-value" id="bkmrk-%7B%22id%22%3A%2224cbc777-de3f-3">`{"id":"24cbc777-de3f-42e2-b772-7d5427dc616e","balanceId":"16b53ddb-877c-4d6c-80c7-2d3750f24b65","resourceId":"59664b2b-8403-4205-a400-92283fa95ffe","resource":"card","transactionId":"2678823","referenceTransactionId":"177482","type":"adjustment","amount":2233,"currency":"EUR","originalAmount":null,"originalCurrency":null,"status":"REVERSED","description":"Description","date":"2023-01-01T13:43:30+00:00","transactionData":{"mcc":null,"merchantIdentifier":null,"merchantName":null,"captureMode":null,"cardId":"222","lastFourDigits":null,"acquirerCountry":null,"mdesDigitizedWalletId":null,"cashbackPosCurrencyCode":null,"cashbackPosAmount":null,"lastFourDpan":null,"adjustmentReasonDescription":null,"retrievalReferenceNumber":null}}`</div></div></div></div></div></div></div></div></div></div></td></tr></tbody></table>

##### Adjustments

Some transactions add funds instead of debiting accounts. Antaca reports such transactions with type: **Adjustment**.

Transactions of this type can be:

<table border="1" id="bkmrk-adjustment-transacti" style="border-collapse: collapse; width: 100%; height: 106.188px;"><colgroup><col style="width: 99.881%;"></col></colgroup><tbody><tr style="height: 29.7969px;"><td style="height: 29.7969px;">adjustment transactions related to the debit transaction but reducing or increasing the final debit amount before clearing </td></tr><tr style="height: 46.5938px;"><td style="height: 46.5938px;">adjustment transactions related (or not) to the another already cleared transaction, fe refund or offline transaction. </td></tr><tr style="height: 29.7969px;"><td style="height: 29.7969px;">adjustment for transactions with currency conversion - when the acquirer let know to clear transaction to the card network, the previously determined FX added to the transaction amount is deposited into the company balance</td></tr></tbody></table>

Example of adjustment - External Transaction Notifier:

*{"status":"SUCCESS","date":"2023-01-01T06:01:39+00:00","description":"Description","transaction":{"id":"e79c353a-1421-46ca-8d74-c5dca67942fe","balanceId":"e79c353a-1421-46ca-8d74-c5dca67942fe","resourceId":"e79c353a-1421-46ca-8d74-c5dca67942fe","resource":"card","cardId":"22","externalTransactionId":"928562957345","referenceExternalTransactionId":"7489279234","type":"Adjustment","category":"CREDIT","amount":100,"currency":"EUR","originalAmount":25000,"originalCurrency":"PLN","status":"AUTHORIZED","description":"\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*","date":"2023-01-01T06:01:39+00:00","referenceExternalTransactionDate":"2023-01-01T06:01:39+00:00","transactionData":{"mcc":"9311","merchantIdentifier":"7489274","captureMode":"ADJ","lastFourDigits":"1000"}}}*