Transactions

A Card Transaction is an operation associated to an issued Card. All Card Transactions are mapped to CardTransaction objects.

Card payments almost always go through many steps. There is one CardTransaction per step but not all CardTransactions affect the Balances of the associated Wallet.

Key attributes

Attribute	Type	Description
cardtransactionId	string	The unique identifier of the card transaction.
cardId	string	The unique identifier of the card used for the transaction.
walletId	string	The unique identifier of the Wallet the card is attached to.
walletCurrency	string	The currency of the Wallet.
merchantId	string	The MID
merchantName	string	The name of the merchant.
merchantAddress	string	The address of the merchant.
merchantCity	string	The city of the merchant.
merchantCountry	string	The country of the merchant. ISO 3166 3-letter code (except of the US which is a two-letter code)
publicToken	string	The token of the card (a way to identify a card without knowing or communicating its PAN)
paymentAmount	string	The amount of the transaction, always expressed in Euros.
paymentCurrency	string	The local currency in which the transaction was made, ISO 4247 3-letter code.
paymentLocalAmount	string	The amount of the transaction in the local currency.
paymentLocalDate	string	The local date on which the transaction occurred.
paymentLocalTime	string	The local time at which the transaction occurred.
fees	string	ATM usage or foreign payments fees as defined by Treezor, always set to 0
paymentCountry	string	Country in which the transaction occurred, ISO 3166 3-letter code.
paymentStatus	string	The general status of the transaction. See table below
posCardholderPresence	string	Describes more precisely how the card was used. See list below
posPostcode	string	Postcode of the transaction location.
posCountry	string	Country of the point of sale, ISO 3166 3-letter code.
posTerminalId	string	The id of the terminal used for the transaction.
posCardPresence	string	Indicates whether or not the card was physically present during the transaction: 0 – The card was present 1 – The card was absent 9 – The card presence cannot be determined
panEntryMethod	string	How the PAN was captured by the merchant. See list below
authorizationNote	string	Contains detailed information regarding a declined transaction. See table below
authorizationResponseCode	string	The precise status of the transaction. See table below
authorizationIssuerId	string	The transaction identifier as generated by the payment processor.
authorizationIssuerTime	string	The time of the transaction, in the timezone of the payment processor.
authorizationMti	string	The message type indicator. See list below
authorizedBalance	string	The Authorized Balance of the wallet after the transaction
mcc	string	The Merchant Category Code (MCC). A MCC valued to 6011 indicates a withdrawal.
acquirerId	string	The acquirer's ID (the merchant's bank in the form of 5 to 6 digits)
is3DS	string	Indicates whether or not 3DSecure was used for authentication: 1 – 3DS was used 0 – 3DS was not used
totalLimitPaymentYear	string	The related Card's yearly spent amount. This is used with Cards Limits
totalLimitPaymentMonth	string	The related Card's monthly spent amount. This is used with Cards Limits
totalLimitPaymentWeek	string	The related Card's weekly spent amount. This is used with Cards Limits
totalLimitPaymentDay	string	The related Card's daily spent amount. This is used with Cards Limits
totalLimitPaymentAll	string	The related Card's lifetime spent amount. This is used with Cards Limits
totalLimitAtmWeek	string	The related Card's weekly ATM withdrawal amount. This is used with Cards Limits
totalLimitAtmDay	string	The related Card's daily ATM withdrawal amount. This is used with Cards Limits
totalLimitAtmAll	string	The related Card's lifetime ATM withdrawal amount. This is used with Cards Limits
cardDigitalizationExternalId	string	The digital payment token identifier (only present if payment was made with a digital token such as ApplePay or GooglePay for example)

💡 When a CardTransaction produces a Transaction object, the CardTransaction.id is reflected in the Transaction.foreignId attribute.

Caution – Data formats may differ

The date, time, and country formats are different from Treezor usual API format because Treezor displays the information as provided by the Card processor.

Statuses (paymentStatus)

This attribute allows you to identify the type of transaction, as Card payments almost always go through many steps.

Status	Description	Impacts Current Balance	Impacts Authorized Balance	Note
A	Authorization accepted			Authorization request accepted by Treezor
R	Refund			Refunded authorization
S	Settled		Generally no	Can be: Refund is successful and the buyer has been refunded Payment is successful and the merchant has been paid MoneySend is successful and the cardholder's bank account has been credited
M	MoneySend			MoneySend authorization
C	Cleared			Settlement is received without a previous matching authorization request
I	Declined			Authorization refused
V	Reversed			Authorization reversed

C (Cleared) may happen when a payment was approved offline by the payment terminal.

V (Reversed) may happen when an automated gas station authorized an amount greater than the actual amount of fuel pumped.

💡 Negative amounts and Non-Euro Settlement (S) can affect the Authorized Balance. See Non-Euro example and Negative amount settlement example.

MTI (authorizationMti)

The Message Type Identifier (MTI) indicates the type of transaction message.

	Type	Description
100	Authorisation Request
120	Advice	This message is generated by the card processor, when a prior authorization request has been declined by the processor for example. It is also used for a reversal advice when the final amount spent at an AFD is known.
400	Reversal Request
420	Reversal Advice	This message is sent to Treezor by the card processor when a prior reversal request was not delivered due to a network issue, for example.
1240	Settlement

PAN Entry Method (panEntryMethod)

This attribute informs you of how the PAN was provided to or accessed by a merchant for a transaction.

	Description
0	Unknown or no terminal
1	Manual Key Entry
2	Partial Magnetic Stripe Read
3	Barcode
4	OCR
5	Chip (contact interface)
7	Chip (contactless interface)
10	Credential-on-file (e.g. one-click purchase)
79	PAN & Expiration date entered by acquirer
80	Magnetic Stripe fallback (The terminal was not able to read the chip)
81	e-commerce
91	Contactless magstripe mod

Cardholder Presence (posCardholderPresence)

This attribute indicates whether the cardholder was present at the point of sale and provides details if they were not present.

		Cardholder Presence	Description
0		Present	Cardholder present
1		Not-present	Unspecified
2		Not-present	Mail/facsimile order
3		Not-present	Phone/ARU order
4		Not-present	Standing order/recurring transactions
5		Not-present	Electronic order (home computer, internet, mobile phone, PDA)
6		Not-present	Installment transaction (similar to recurring but fixed number of installments)
9		Unknown	Unknown

Authorization Note (authorizationNote)

This attribute allows your Support Users to inform the cardholder of the cause of a payment incident and/or status.

You should always use the authorizationNote together with the authorizationResponseCode to provide accurate informations to the cardholder.

The authorizationResponseCode will tell you if the transaction was Declined or Approved, while the authorizationNote will provide more details as to why.

Tip – Multiple messages may be contained in the authorizationNote

In which case they are concatenated with the \n character to separate them.

Authorization Note	Description	Source
; DE095={amount}; DE095={amount}	ℹ️ Informative message, {amount} is the remaining authorized amount after a partial reversal	Card Processor
ASI.... AVS check	ℹ️ Informative message, the address of the cardholder has been checked	Card Processor
ASI.... CVC check	ℹ️ Informative message, the CVC has been checked	Card Processor
ATM MONTHLY LEGAL LIMIT OF WALLET EXCEEDED	The legal ATM withdrawal limit has been reached	Treezor
AUTOMATIC AUTHORISATION REMOVAL BillAmt - {amount} Location - {business} {country}	An authorization from 7 days ago has been cancelled and reversed, as no settlement occured (these are generally used to ensure a Card is valid by authorizing a small amount that is never actually debited)	Card Processor
Banknet advice: APS error; unable to deliver response	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
BlockedCard	The Card is blocked.	Card Processor
Card CVV2 not matching with cvv2 in auth request	The cardholder entered an erroneous CVV2 (or CVC)	Card Processor
ChargeBack - Credit to Card	ℹ️ Informative message, the cardholder has just been refunded following a chargeback	Card Processor
Connection Timeout	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
COUNTRY CODE NOT ALLOWED	The merchant's country is not allowed by the Card or Card Program	Card Processor
CountryNotPermittedToCardHolder	The payment country is not allowed by the Card or Card Program	Card Processor
DECLINED BY GPS	The card processor declined the transaction (this is always accompanied by a more detailed message)	Treezor
DECLINED BY NETWORK	The card processor declined the transaction	Scheme
DR: AF:Mag ATM attempt	An ATM withdrawal was attempted using the magstripe, which is forbidden for security reason. The cardholder should retry uing the Card's Chip&PIN method.	Card Processor
DR: ARQC not matching	🔄 There was a malfunction with the Card and/or the payment terminal, the cardholder may retry their payment once	Card Processor
DR: Card expiry check failed with Emboss Expiry date (DE014)	The cardholder entered a wrong expiration date	Card Processor
DR: Card not found UnKnownCard	The Card's PAN is unknown or invalid but does match Treezor's range of Card numbers	Card Processor
DR: CVC2 tries exceeded	The cardholder entered erronerous CVC too many times. A ticket must be open with Treezor to unlock it.	Card Processor
DR: Declined due to Card Status: Card Destroyed (Original status 83, changed to 05)	The Card has been destroyed	Card Processor
DR: Declined due to Card Status: Expired card	The Card has expired (expiration date is in the past)	Card Processor
DR: Declined due to Card Status: Lost card (Capture)(Issuer will be charged if card is picked up)	The Card has been lost and the merchant is allowed to keep the Card and send it to their bank for restitution to Treezor	Card Processor
DR: Declined due to Card Status: Restricted card (Card is not active)	The Card is inactive	Card Processor
DR: Declined due to Card Status: Short-term Debit	The Card is locked	Card Processor
DR: Declined due to Card Status: Stolen card (Capture)(Issuer will be charged if card is picked up)	The Card has been stolen and the merchant is allowed to keep the Card and send it to their bank for restitution to Treezor	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - Card Not Present - E-Commerce - Failed]	The Card is used to make an internet purchase but this feature is not enabled on the Card or Card Program	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - Contactless EMV - Failed]	The contactless/NFC feature is not enabled on the Card or Card Program	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - Card not present - Credential on File - Failed]	The Card is used to make an internet purchase but this feature is not enabled on the Card or Card Program	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - Card Not Present - E-Commerce - Failed]	The Card is used to make an internet purchase but this feature is not enabled on the Card or Card Program	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - POS usage outside country of Issue of a card - Failed]	The Card is used to make a purchase outside of the cardholder's country, but this feature is not enabled on the Card or Card Program	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId} [Card Acceptance Method (A) - Mag Stripe PAN Entry - Chip Capable Terminal - Failed]	The Card's magstripe was used when the Chip was supported and should have been used instead	Card Processor
DR: Declined due to CardUsageGroupCheck GroupUsageID-{groupId}	Transaction is refused due to configuration restrictions on the Card or on the Card Program. The message provides additional information regarding the applicable restriction	Card Processor
DR: Declined due to Lost Card (Capture)(Original auth resp status 41, changed to 05)	The Card has been declared as lost	Card Processor
DR: Declined due to Restricted card (Card is not active)	The Card is not activated or is disabled	Card Processor
DR: Declined due to Stolen Card (Capture)(Original auth resp status 43, changed to 05)	The Card has been declared as stolen	Card Processor
DR: Decline existing tokens(10) > Min_Tokens_To_Decline(10) DR: MDES/VDEP validation failed MDES check failed from Tokenisation Processing	There are already 10 Cards tokenized with an X-Pay provider (Google Pay, Apple Pay, Samsung Pay...), no more tokenization are allowed
DR: Decline as wallet_device_score (1) <= wallet_device_max_score_decline (1)	Card tokenization has been denied by the X-Pay provider (Apple Pay, Google Pay, Samsung Pay...) due to poor End User's device scoring
DR: Expiry Date missing.	The expiration date of the Card has not been provided	Card Processor
DR: IAV:V (checked by MC-PREVAL)	Monetary Currency mismatch between authorization and authentication	Card Processor
DR: iCVV does not match on EMV Track 2	Either an issue with the merchant's terminal, or the chip of the card. Contact Support if the issue occurs with multiple merchants.	Card Processor
DR: Incorrect PIN	The PIN code entered was incorrect	Card Processor
DR: MDES Invalid Card Number - payment_token not found	The Card was properly digitized for X-Pay but an incident occured when payin with X-Pay. The cardholder should digitize their card again.	Card Processor
DR: Offline PIN incorrect	The cardholder entered an erroneous PIN	Card Processor
DR: Offline PIN try limit exceeded	The maximum number of erroneous PIN has been reached, the PIN must be unlocked	Card Processor
DR: Requires SCA	The transaction requires a Strong Customer Authentication such as 3D Secure or Chip & Pin.	Card Processor
EH Timeout - An error occurred while sending the request.	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
EH Timeout - Response status code does not indicate success: 429 (Too Many Requests).	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
EH Timeout - Response status code does not indicate success: 502 (Bad Gateway).	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
EH Timeout - The operation was canceled.	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
EH Timeout - Unable to connect to the remote server	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
EH Timeout	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
ELECTRONIC MONEY LIMIT EXCEEDED	The electronic money limit has been reached. This only occurs with ME projects	Treezor
ELECTRONIC MONEY MCC NOT PERMITED	The law doesn't allow this MCC (type of business). This only occurs with ME projects	Treezor
Electronic Money: transaction not permitted to cardholder	The cardholder doesn't exist or is frozen. This only occurs with ME projects	Treezor
Electronic Money: cumulative amount authorized exceeded	The electronic money limit on sliding period has been reached. This only occurs with ME projects	Treezor
Electronic Money: amount exceeds the authorized amount	The transaction amount exceeds the authorized amount. This only occurs with ME projects	Treezor
Electronic Money: payment is not permitted in this country	The country of the wallet and the country in which the payment is done don't match. This only occurs with ME projects	Treezor
ErrorInternal	🔄 Temporary internal error, the Cardholder should retry their payment	Treezor
EXTERNAL AUTHORIZATION - APPROVED	The Transaction was approved by you, using the External Authorization feature	Treezor
EXTERNAL AUTHORIZATION - DO NOT HONOR	The transaction has been refused by you and the refusal code is unspecified, using the External Authorization feature	Agent
EXTERNAL AUTHORIZATION - INSUFFICIENT_FUNDS	The transaction has been refused by you because there are insufficient funds, using the External Authorization feature	Agent
EXTERNAL AUTHORIZATION - TRANSACTION_NOT_PERMITTED_TO_CARDHOLDER	The transaction has been refused by you because the conditions of use of the card are not respected by the cardholder, using the External Authorization feature	Agent
EXTERNAL AUTHORIZATION - INVALID_CARD_NUMBER	The transaction has been refused by you because the card is unknown, using the External Authorization feature	Agent
EXTERNAL AUTHORIZATION - INVALID_MERCHANT	The transaction has been refused by you because the merchant or type of merchant is not allowed, using the External Authorization feature	Agent
EXTERNAL AUTHORIZATION - EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT	The transaction has been refused by you because the withdrawal limits or ceilings are insufficient, using the External Authorization feature	Agent
Gen: Pre-Authorization Request	ℹ️ Informative message, indicates a pre-authorization request (such as a deposit) which can be canceled later	Card Processor
Incoming transaction concern an unactive wallet	The transaction is associated to an inactive Wallet	Treezor
Incoming transaction concern an unactive user	The transaction is associated to an inactive User	Treezor
Incoming transaction concern an unactive card	The transaction is associated to an inactive Card	Treezor
Incoming transaction concern an unknown PAN	The transaction is associated to an unknown PAN (absent from our system)	Treezor
Insufficient funds	The Wallet has insufficient funds	Treezor
Invalid card number (no such token)	The Card's PAN is invalid or unknown	Treezor
Issuer Time-out	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
LIMIT ATM EXCEEDED ALL	The lifetime ATM withdrawal limit has been reached	Treezor
LIMIT ATM EXCEEDED DAY	The daily ATM withdrawal limit has been reached	Treezor
LIMIT ATM EXCEEDED MONTH	The monthly ATM withdrawal limit has been reached	Treezor
LIMIT ATM EXCEEDED WEEK	The weekly ATM withdrawal limit has been reached	Treezor
LIMIT ATM EXCEEDED YEAR	The yearly ATM withdrawal limit has been reached	Treezor
LIMIT CONTACTLESS APPLE PAY EXCEEDED	The Apple Pay contactless limit has been reached	Treezor
LIMIT CONTACTLESS EXCEEDED	The contactless limit has been reached	Treezor
LIMIT PAYMENT EXCEEDED ALL	The lifetime payment limit has been reached	Treezor
LIMIT PAYMENT EXCEEDED DAY	The daily payment limit has been reached	Treezor
LIMIT PAYMENT EXCEEDED MONTH	The monthly payment limit has been reached	Treezor
LIMIT PAYMENT EXCEEDED WEEK	The weekly payment limit has been reached	Treezor
LIMIT PAYMENT EXCEEDED YEAR	The yearly payment limit has been reached	Treezor
MCC NOT ALLOWED	The Merchant Category Code (category of business) is not allowed by the Card or Card Program	Treezor
MccNotPermittedToCardHolder	The Merchant Category Code (category of business) is not allowed by the Card or Card Program	Treezor
MDES FPAN Status:41	ℹ️ Informative message, a payment was made with Apple Pay/Google Pay/Samsung Pay and the actual Card is lost	Card Processor
MDES FPAN Status:62	ℹ️ Informative message, a payment was made with Apple Pay/Google Pay/Samsung Pay and the actual Card is stolen or disabled	Card Processor
MERCHANT ID NOT ALLOWED	The merchant's ID (one specific business) is not allowed	Treezor
MerchantIdNotPermittedToCardHolder	The merchant's ID (one specific business) is not allowed	Treezor
Null or Empty Response received from client	🔄 Temporary internal error, the Cardholder should retry their payment	Card Processor
POSDailyLimitExceeded	The daily payment limit has been reached	Treezor
Presentment for Partial Reversal	ℹ️ Informative message, following a Gas station transaction	Card Processor
PSD2 Counter Reset	ℹ️ Informative message, the contactless counter or e-commerce counter has been reset to zero	Card Processor
Refund	ℹ️ Informative message, refund authorization	Treezor
REVERSAL	ℹ️ Informative message, the reversal cancels a previous authorization at the merchant's request. It frees up the Authorized Balance of the Wallet.	Treezor
Reversal due to AFD Advice with different amount. (AFD Amount=30.0000)	ℹ️ Informative message, the reversal cancels a previous authorization at the merchant's request. It frees up the Authorized Balance of the Wallet.	Card processor
SIMULTANEOUS OPERATIONS ON THE SAME WALLET	🔄 Multiple operations occured at the very same time on the Wallet, the Cardholder should retry their payment	Treezor
System Error.	🔄 Temporary internal error, the Cardholder should retry their payment	Treezor
User's assets are freezed	The Wallet or payment account of the User is frozen by an AML-CFT sanction	Treezor
Specific to AFD: fixed amount authorization	The fixed amount of €160 has been applied for a automated fuel dispenser (AFD) transaction. Learn more about this specific case in the corresponding example.	Treezor
Fixed amount adjustment	The difference between the pre-authorized amount for the AFD transaction and the actually charged amount has been reversed. Learn more about this specific case in the corresponding example.	Treezor
MDC DECLINED - did not match: {rulesetIds}	The transaction was refused by the Treezor transaction rules engine.	Treezor
{rulesetIds}	The transaction was accepted by the Treezor transaction rules engine.	Treezor

The DR: prefix means Decline Reason.

🚧 Despite our best efforts to keep this list up-to-date, some messages or combinations of messages may be missing.

Codes (authorizationResponseCode)

This information is provided in the authorizationResponseCode attribute.

It provides clues as to why the transaction was accepted or refused, and pointers regarding what to do next. This information comes in addition to the status of a transaction.

Code	Description		Action
00	APPROVED		Approve
08	HONOR_WITH_ID		Approve
10	PARTIAL_APPROVAL		Approve
87	PURCHASE_AMOUNT_ONLY_NO_CASH_BACK_ALLOWED		Approve
98	REFUND_GIVEN_TO_CUSTOMER		Approve
85	NOT_DECLINED_VALID_FOR_ALL_ZERO_AMOUNT_TRANSACTIONS		Approve
01	REFER_TO_CARD_ISSUER		Call-Issuer
70	CONTACT_CARD_ISSUER		Call-issuer
41	LOST_CARD		Capture
43	STOLEN_CARD		Capture
02	CARD_NOT_YET_ACTIVATED		Decline
03	INVALID_MERCHANT		Decline
04	CAPTURE_CARD_CAPTURE		Decline
05	DO_NOT_HONOR		Decline
06	ERROR (REVERSAL ONLY)		Decline
12	INVALID_TRANSACTION		Decline
13	INVALID_AMOUNT		Decline
14	INVALID_CARD_NUMBER		Decline
15	INVALID_ISSUER		Decline
30	FORMAT_ERROR		Decline
51	INSUFFICIENT_FUNDS		Decline
54	EXPIRED_CARD		Decline
55	INVALID_PIN		Decline
57	TRANSACTION_NOT_PERMITTED_TO_CARDHOLDER		Decline
58	TRANSACTION_NOT_PERMITTED_TO_ACQUIRER_TERMINAL		Decline
61	EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT		Decline
62	RESTRICTED_CARD		Decline
63	SECURITY_VIOLATION		Decline
65	EXCEEDS_WITHDRAWAL_COUNT_LIMIT		Decline
71	PIN_NOT_CHANGED		Decline
75	ALLOWABLE_NUMBER_OF_PIN_TRIES_EXCEEDED		Decline
76	INVALID_TO_ACCOUNT_SPECIFIED		Decline
77	INVALID_FROM_ACCOUNT_SPECIFIED		Decline
78	INVALID_ACCOUNT_SPECIFIED_GENERAL		Decline
81	DOMESTIC_DEBIT_TRANSACTION_NOT_ALLOWED_REGIONAL_USE_ONLY		Decline
83	CARD_DESTROYED		Decline
84	INVALID_AUTHORIZATION_LIFE_CYCLE		Decline
86	PIN_VALIDATION_NOT_POSSIBLE		Decline
88	CRYPTOGRAPHIC_FAILURE		Decline
89	UNACCEPTABLE_PIN__TRANSACTION_DECLINED__RETRY		Decline
91	AUTHORIZATION_PLATFORM_OR_ISSUER_SYSTEM_INOPERATIVE		Decline
92	UNABLE_TO_ROUTE_TRANSACTION		Decline
94	DUPLICATE_TRANSMISSION_DETECTED		Decline
96	SYSTEM_ERROR		Decline
99	CARD_VOIDED		Decline

Structure of a Transaction

Endpoints

Endpoint	Description	Scope
GET /v1/cardtransactions	Search Card transactions	read_only
GET /v1/cardtransactions/{cardTransactionId}	Retrieve a specific transaction, using its id	read_only
PUT /v1/auth-requests/{authenticationRequestID}/result	Answer to a Strong Customer Authentication request	read_write

Reading – Find out more about Transactions

• Transactions lifecycle
• Transactions examples
• Transactions authentication