Payment types

Introduction

The Atelio platform supports card, ACH, and account payment types.

The transaction object contains a details object that contains the payment details. The three payment types have different sets of attributes in the details object:

For transaction type details, see Transaction types.

Card payments

The following code sample extract displays the attributes of a details object for a card transaction.

JSON
{
"details": {
    "card_id": "c5326b94-73f2-427d-b8cb-4605519da842",
    "mcc": "3542",
    "mcc_description": "Professional Services and Membership Organizations",
    "currency": "USD",
    "exchange_rate": "0.00",
    "merchant_id": "1AD18GT7744554",
    "merchant_name": "Target",
    "merchant_city": "San Mateo",
    "merchant_state": "CA",
    "merchant_country": "USA",
    "merchant_postal_code": "90210",
    "merchant_currency": "",
    "merchant_amount": "",
    "exchange_rate": "",
    "cardholder_presence": true,
    "statement_descriptor": "Target #4744",
    "arn": "000091556011",
    "fraud_rule_triggered": "spend_velocity",
    "products": ["RETAIL", "GENERAL_MERCHANDISE"],
    "settlements": [
        {
            "settlement_date": "2024-01-15T14:22:31+00",
            "amount": "-25.99"
        }
    ]
    }
}

The following table describes the details attributes for a card transaction.

Attribute	Description
`arn`	ARN, also called the Trace ID. Tracks a debit or credit transaction from the merchant's bank to the card holder's bank.
`card_id`	UUID for the card.
`cardholder_presence`	- `true` if the cardholder was present when the card was swiped. - `false` if the cardholder was present when the card was swiped.
`currency`	Currency the transaction was processed in.
`exchange_rate`	Exchange rate, if applicable.
`fraud_rule_triggered`	Identifies the fraud rule, if any, for this transaction.
`mcc`	Numeric value for the merchant category code. For details, see MCC Codes and Descriptions.
`mcc_description`	Descriptions for the merchant category code. For details, see MCC Codes and Descriptions.
`merchant_amount`	The original value of the transaction before an currency conversions.
`merchant_city`	City the merchant resides in.
`merchant_country`	Country the merchant resides in.
`merchant_currency`	ISO currency for the transaction, for example USD.
`merchant_id`	Unique identifier for the merchant.
`merchant_name`	Name of the merchant.
`merchant_postal_code`	Zip or postal code for the merchant.
`merchant_state`	State the merchant resides in.
`products`	List of product categories associated with the transaction.
`settlements`	List of settlement records for multi-settlement transactions, each containing a settlement date and amount.
`statement_descriptor`	Describes the transaction.

ACH payments

The following code sample extract displays the attributes of a details object for an ACH transaction.

JSON
{
"details": {
      "card_id": "c5326b94-73f2-427d-b8cb-4605519da842",
      "external_account_id": "51fca76f-60a0-4db1-a0b7-d98a3687fa42",
      "class_code": "WEB",
      "direction": "credit",
      "network": "same-day-ach",
      "description": "PAYROLL",
      "failure_reason": "Insufficient Funds",
      "return_code": "R01",
      "products": ["direct deposit", "payroll"]
      }
}

The following table describes the details attributes for an ACH transaction.

Attribute	Description
`card_id`	The unique identifier for the card.
`class_code`	A three-letter code identified by NACHA standards. For details, see ACH Class Codes.
`description`	A 10-character description that you can include.
`direction`	`credit` or `debit`. Defines the direction of the transaction.
`external_account_id`	The ID of the external account linked in the ACH transfer.
`failure_reason`	Reason for the ACH failure.
`network`	`ach` or `same-day-ach`.
`products`	An array of strings that categorize the transaction by product type, such as `direct deposit` and `payroll`.
`return_code`	The return code defined by NACHA standards. For details, see ACH Return Codes.

Account payments

Account payments are also known as account-to-account transfers.

The following code sample extract displays the attributes of a details object for an account-to-account transaction.

JSON
{
"details": {
    "origination_account_id": "2742ff6a-7455-4066-8b45-ae12d3acca34",
    "destination_account_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
    }
 }

Transaction types

Transaction types provide a granular category to classify and better understand transactions, whereas Payment types provide a high-level understanding of the money movement method.

Each of the three card payment types (card, ACH, and account) has its own list of transaction types as described in the following sections.

Card transactions

The transaction types listed in the following table are all related to transactions that occur on a card network.

Transaction Type	Description
Cash Withdrawal	Cash was withdrawn via an ATM.
Chargeback Credit	Credit applied back to the card account. Chargeback credit is a reversal of funds initiated by a cardholder's bank or credit card issuer in response to a dispute over a transaction.
Credit Adjustment	A refund was sent by a merchant to a credit card as a credit adjustment.
Debit Adjustment	A card transaction that removes funds from a cardholder's account to correct processing errors, collect undercharged amounts, or reverse disputed transactions.
Fee	Fee transaction
Load Money Onto Card	Atelio-provided funds to a "master" account for initial distribution.
POS Cash Advance	A cash advance was made at an in-store purchase.
POS Purchase	An online or in-store purchase was made.
POS PIN Purchase	An in-store purchase was made that involved entering a PIN.
Provisional Credit	Temporary credit applied to the card account.
Provisional Debit	Temporary debit applied to the card account.
Pre Authorization	A pre-authorization was initiated on the card.
Purchase Returns	An item that was purchased was returned for a refund or store credit.
Repayment	A repayment was posted to the card account.

ACH transactions

The transactions types listed in the following table all result from an ACH transfer.

Transaction Type	Description
ACH Deposit	Money moved into your Atelio account.
ACH Withdrawal	Money moved out of your Atelio account.
External ACH Deposit	Money was moved from an external bank account to an Atelio pseudo-DDA through an ACH.
External ACH Withdrawal	Money was moved from an Atelio pseudo-DDA to an external bank account through an ACH.

Account transactions

All Account transaction types occur within the Atelio platform framework and do not use ACH or Card paths, which makes them instantaneous.

Transaction Type	Description
Account to Account	Account-to-account transactions occur when you move money between Deposit Accounts or between a Deposit Account and a Credit Account. Since the funds are already present at Atelio, these transfers are instantaneous.

For a complete specification and interactive examples, see Retrieving transactions and history in the Atelio API Reference.

Transaction examples

The following are payload examples across the various transaction types.

Cash withdrawal

The following is a payload example for a cash withdrawal transaction:

JSON
{
   "transaction_id":"30a2b5a4-c8af-49b3-8272-f9cda6b5654d",
   "bond_brand_id":"00000000-0000-0000-0000-000000000000",
   "customer_id":"35ae74c5-cb4f-4166-b4f4-146caf104973",
   "account_id":"bdd9154f-2c7a-4834-9184-33791616367c",
   "payment_type":"card",
   "transaction_type":"Cash Withdrawal",
   "state":"completed",
   "description":"Domestic ATM Cash Withdrawal",
   "amount":"-20.00",
   "currency":"USD",
   "created_time":"2022-08-03T20:41:55+00:00",
   "updated_time":"2022-08-03T20:41:55+00:00",
   "balances":{
      "prior_balance":"-358.36",
      "new_balance":"-383.66"
   },
   "details":{
      "card_id":"aebe6b3a-e9df-42ed-8d71-280d13ef75ec",
      "mcc":"6011",
      "mcc_description":"Automated Cash Disbursement - Member Institution",
      "currency":"USD",
      "exchange_rate":"1.00",
      "merchant_id":"TFND/MONEYPASS",
      "merchant_name":"Transfund",
      "merchant_city":"ROUND ROCK",
      "merchant_state":"TX",
      "merchant_currency":"USD",
      "merchant_amount":"-20",
      "cardholder_presence":true,
      "statement_descriptor":"TRANSFUND                ROUND ROCK   TXUSA"
   }
}

ATM withdrawal fee payload

A separate transaction may be processed for the ATM withdrawal fee. This webhook payload will be sent along with the Cash Withdrawal one. The following is a payload for a Fee transaction:

JSON
{
   "transaction_id":"2db09df4-0911-491f-86dd-a200563cffae",
   "bond_brand_id":"00000000-0000-0000-0000-000000000000",
   "customer_id":"35ae74c5-cb4f-4166-b4f4-146caf104973",
   "account_id":"bdd9154f-2c7a-4834-9184-33791616367c",
   "payment_type":"card",
   "transaction_type":"Fee",
   "state":"completed",
   "description":"Fee of Domestic ATM Cash Withdrawal",
   "amount":"-0.99",
   "currency":"USD",
   "created_time":"2022-07-28T22:05:09+00:00",
   "updated_time":"2022-07-28T22:05:09+00:00",
   "balances":{
      "prior_balance":"-151.91",
      "new_balance":"-228.04"
   },
   "details":{
      "card_id":"aebe6b3a-e9df-42ed-8d71-280d13ef75ec",
      "fee_type":"Generic",
      "linked_transaction_id":"97141e4e-ee2d-47d3-b1ea-40b9a2f74969"
   }
}

Card reissue fee payload

When a card is reissued, a payload for the $4.99 reissue fee will be sent. The following is the payload for this Fee transaction:

JSON
{
    "transaction_id": "10c2ef09-dd32-4ee5-b8ee-a4613a9c8a96",
    "bond_brand_id": "3d6a093b-ff34-413d-a7a9-4972f4149bec",
    "customer_id": "4e04c6e4-0b5a-4ba2-9edc-655f7653fd9f",
    "account_id": "3bf93342-7264-4e95-b7c9-1ea5682123f6",
    "payment_type": "card",
    "transaction_type": "Fee",
    "state": "completed",
    "description": "Fee-Reissue Card - From Card Number (51*************8396)",
    "amount": "-4.99",
    "currency": "USD",
    "created_time": "2023-01-02T01:31:14+00:00",
    "updated_time": "2023-01-02T01:31:14+00:00",
    "details": {
        "card_id": "3bc18277-c37d-4684-9004-a9055ced779a",
        "fee_type": "Reissue Card"
    },
    "balances": {
        "prior_balance": "-4.99",
        "new_balance": "-4.99"
    }
}

Pre-authorization

The following is a payload of type POS Purchase with state pending:

JSON
{
    "transaction_id": "59a2e7c1-9853-4aed-b1a4-f41ab0516b6e",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "customer_id": "0bb749c9-ca8f-4010-950f-071f3667b3fc",
    "account_id": "73401ad8-ece1-4018-bba4-93c21b451900",
    "payment_type": "card",
    "transaction_type": "POS Purchase",
    "state": "pending",
    "description": "Pre-Auth Transaction-POS Signature Purchase",
    "amount": "-4.50",
    "currency": "USD",
    "created_time": "2022-08-05T17:22:19+00:00",
    "updated_time": "2022-08-05T17:22:19+00:00",
    "balances": {
        "prior_balance": "-12.00",
        "new_balance": "-16.50"
    },
    "details": {
        "card_id": "e68adbcc-d76d-47b9-b7c0-d7aa65337f88",
        "mcc": "5814",
        "mcc_description": "Fast Food",
        "currency": "USD",
        "exchange_rate": "1.00",
        "merchant_id": "242632000053360",
        "merchant_name": "Sq *Rising Star Coffee   Cleveland    Ohusa",
        "merchant_city": "Cleveland    ",
        "merchant_state": "OH",
        "merchant_currency": "USD",
        "merchant_amount": "-4.5",
        "cardholder_presence": true,
        "statement_descriptor": "SQ *RISING STAR COFFEE   Cleveland    OHUSA"
    }
}

POS purchase

The following is a payload of type POS Purchase with state completed:

JSON
{
   "transaction_id":"03cc5178-243b-42fa-a73a-27000da36e7c",
   "bond_brand_id":"00000000-0000-0000-0000-000000000000",
   "customer_id":"35ae74c5-cb4f-4166-b4f4-146caf104973",
   "account_id":"bdd9154f-2c7a-4834-9184-33791616367c",
   "payment_type":"card",
   "transaction_type":"POS Purchase",
   "state":"completed",
   "description":"Pre-Auth Transaction-POS Signature Purchase",
   "amount":"-6.68",
   "currency":"USD",
   "created_time":"2022-08-03T20:31:56+00:00",
   "updated_time":"2022-08-03T20:31:56+00:00",
   "balances":{
      "prior_balance":"-397.53",
      "new_balance":"-397.53"
   },
   "details":{
      "card_id":"aebe6b3a-e9df-42ed-8d71-280d13ef75ec",
      "mcc":"5542",
      "mcc_description":"Automatic Fuel Dispenser",
      "currency":"USD",
      "exchange_rate":"1.00",
      "merchant_id":"195000005833001",
      "merchant_name":"Qt 4134",
      "merchant_city":"ROUND ROCK",
      "merchant_state":"TX",
      "merchant_currency":"USD",
      "merchant_amount":"-6.68",
      "statement_descriptor":"QT 4134 ROUND ROCK   TXUSA"
   }
}

Credit adjustment

The following payload example shows a credit adjustment issued to a customer in the case of a refund to a credit card by a merchant:

JSON
{
    "transaction_id": "af827f08-95cc-423d-95f7-c9f5d1e41587",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "customer_id": "baae67f7-00e6-4e1e-8a08-03d4daad9e43",
    "account_id": "e14fee38-118b-43db-87db-b9da975a679f",
    "payment_type": "card",
    "transaction_type": "Credit Adjustment",
    "state": "completed",
    "amount": "11.00",
    "currency": "USD",
    "created_time": "2022-01-07T15:39:37+00:00",
    "updated_time": "2022-01-07T15:39:37+00:00",
    "balances": {
        "prior_balance": "17.02",
        "new_balance": "11.02"
    },
    "details": {
        "card_id": "030bbe79-4272-4b43-8d64-5cd558ed65fa",
        "mcc": "5999",
        "mcc_description": "Misc Retail",
        "currency": "USD",
        "exchange_rate": "1.0",
        "merchant_id": "242661000053360",
        "merchant_name": "Sq *Atelio Financial Tec   San Franciscocausa",
        "merchant_city": "San Francisco",
        "merchant_state": "CA",
        "merchant_currency": "USD",
        "merchant_amount": "11",
        "cardholder_presence": false,
        "statement_descriptor": "SQ *BOND FINANCIAL TEC   San FranciscoCAUSA"
    }
}

Provisional credit

Chargebacks in Atelio take the form of provisional credit sent to a cardholder's account when the cardholder opens a dispute on a transaction. If the dispute is resolved in favor of the cardholder, the credit will remain in the account; otherwise, a provisional debit will be sent to the account to offset this credit. The following payload is for a provisional credit transaction:

JSON
{
  "transaction_id": "defa388d-29e3-4d77-a853-80893a09cdb1",
  "bond_brand_id": "00000000-0000-0000-0000-000000000000",
  "customer_id": "ea326d41-0d2a-4c3a-9b90-4d18fb410191",
  "account_id": "670b3035-4c04-4999-985b-b53e14d5146f",
  "payment_type": "card",
  "transaction_type": "Provisional Credit",
  "state": "completed",
  "description": "Provisional Credit",
  "amount": "1.21",
  "fee": "0.00",
  "currency": "USD",
  "created_time": "2022-06-16T22:16:57+00:00",
  "updated_time": "2022-06-16T22:16:57+00:00",
  "details": {
    "card_id": "90107917-3b9e-4411-8a1e-b8fcbf17eae9",
    "mcc": "0",
    "mcc_description": "Merchant Unknown",
    "currency": "USD",
    "exchange_rate": "1.00",
    "merchant_name": "Usa",
    "merchant_currency": "USD",
    "merchant_amount": "1.21",
    "statement_descriptor": "USA"
  }
}

📘 Note

In the future, this payload will be finalized and may be subject to change.

Purchase returns

The following is an example payload for a completed purchase returns transaction:

JSON
{
  "transaction_id": "9c80fac3-885d-4534-bbba-3a2598864b9f",
  "bond_brand_id": "00000000-0000-0000-0000-000000000000",
  "customer_id": "bf0b1891-cd63-46ef-8c6f-c98f3468af9c",
  "account_id": "91b9f9af-fdbc-44d0-93df-c68865b525a5",
  "payment_type": "card",
  "transaction_type": "Purchase Returns",
  "state": "completed",
  "description": "POS Signature Return International (with currency conversion) [European EMU, Euro: 1.28], Fx @1.0312",
  "amount": "1.32",
  "currency": "USD",
  "created_time": "2022-08-14T00:40:27+00:00",
  "updated_time": "2022-08-14T00:40:27+00:00",
  "balances": {
    "prior_balance": "-42.06",
    "new_balance": "-43.38"
  },
  "details": {
    "card_id": "ab386833-0903-4a03-93b0-49d75bb3e124",
    "mcc": "5734",
    "mcc_description": "Computer Software",
    "currency": "USD",
    "exchange_rate": "1.03125",
    "merchant_id": "AWBI8FHJQJHZYIP",
    "merchant_name": "Stripe Secure",
    "merchant_city": "LONDON",
    "merchant_state": "LN",
    "merchant_currency": "EUR",
    "merchant_amount": "1.28",
    "statement_descriptor": "STRIPE SECURE LONDON LNGBR"
  }
}

Payroll to credit accounts

JSON
{
    "transaction_id": "b8ef629e-8833-49f5-bf31-94b610b87522",
    "bond_brand_id": "00000000-0000-0000-0000-000000000000",
    "customer_id": "a8d9de10-0eb8-476f-8cb9-9a1f99b166b0",
    "account_id": "12354a17-91c0-4575-849d-e05ded46af5c",
    "payment_type": "ach",
    "transaction_type": "External ACH Deposit",
    "state": "completed",
    "amount": "50.00",
    "currency": "USD",
    "created_time": "2023-03-01T05:45:09.579917+00:00",
    "updated_time": "2023-03-01T05:45:09.579917+00:00",
    "details": {
        "card_id": "6457faff-937e-4f8b-9b22-cd992842da40",
        "class_code": "PPD",
        "direction": "credit",
        "description": "PAYROLL",
        "products": ["direct deposit", "payroll"]
    },
    "balances": {
        "prior_balance": "1326.32",
        "new_balance": "1326.32"
    }
}

Payroll to deposit accounts

JSON
{
    "transaction_id": "7604955a-fa1b-4025-88c5-6948533b8111",
    "bond_brand_id": "3d6a093b-ff34-413d-a7a9-4972f4149bec",
    "customer_id": "8d9a3c7b-1891-4176-b873-bca398a316d9",
    "account_id": "08c4745f-4c4a-442c-a40a-1fab9fbd39b1",
    "payment_type": "account",
    "transaction_type": "External ACH Deposit",
    "state": "completed",
    "description": "Atelio::John Doe",
    "amount": "50.00",
    "currency": "USD",
    "created_time": "2023-02-15T09:30:10.042120+00:00",
    "updated_time": "2023-02-15T09:30:10.042120+00:00",
    "details": {
        "originating_account_id": "08c4745f-4c4a-442c-a40a-1fab9fbd39b1",
        "destination_account_id": "96940004-569f-4672-acd2-30901224c54e",
        "class_code": "PPD",
        "same_day": false,
        "return_code": "",
        "failure_reason": ""
    },
    "balances": {}
}

📘 Usage Tips

When figuring out how to organize transaction payloads, you can generally exclude $0 transactions in your transaction list views and statements displayed to end users. An exception, however, is to include $0 transactions where the details.merchant_amount is positive, since this can help users keep track of declined POS transactions.

Retrieve transactions

With the Transactions API, you can retrieve either all the transactions for a specific customer or details of a specific transaction.

Retrieve all transactions

To retrieve a list of all transactions, use the GetAllTransactions endpoint and provide the following parameters.

Attribute	Type	Description
`account_id`	string	The UUID of the account. Each `customer_id` can have more than one `account_id` associated with it.
`count`	int32	Number of transactions to return per page. One of: `1`, `2`, `5`, `10`, `20`, `50`, `100`, `1000`, `5000`, `10000`
`customer_id`	string	The unique ID used to reference a customer or business resource.
`end_date`	date	End date at which to include transactions, in the `YYYY-MM-DD` format.
`order_by`	string	`desc` or `asc`.
`page`	int32	The required page number to return.
`payment_type`	string	`ach`, `card`, or `account`. For details, see Payment Types.
`start_date`	string	Starting date from which to include transactions, in the `YYYY-MM-DD` format.
`transaction_state`	string	The transaction state to be included. One of: `failed`, `declined`, `pending`, `cancelled`, `completed`, `returned`

Example request to get all transactions:

cURL
curl --request GET \
      --url 'https://sandbox.atelio.com/api/v0.1/transactions?customer_id=931e2341-c3eb-4681-97d4-f6e09d90da14&account_id=0bebf64a-a74b-42f4-9af9-8e5ac7b07cf4&payment_type=card&start_date=2019-12-01&end_date=2022-12-31&page=1&count=20&order_by=asc&transaction_state=completed' \
     --header 'Accept: application/json' \
     --header 'Authorization: <YOUR_AUTHORIZATION>' \
     --header 'Identity: <YOUR_IDENTITY>'

Example response to a successful request to retrieve all transactions:

JSON
{
    "page": 1,
    "pages": 1,
    "count": 2,
    "next_page": null,
    "transactions": [
        {
            "transaction_id": "b9b8da9a-5ff2-4e5c-84ee-587b7d092f6b",
            "bond_brand_id": "8ed5c9fe-581b-490a-9dcb-3302db235a4b",
            "customer_id": "6493109c-7cb5-4f21-9d19-d9c3901d452d",
            "account_id": "9dc86a8a-4c12-4107-84a8-e7cf6a76586f",
            "payment_type": "card",
            "transaction_type": "credit",
            "transaction_state": "completed",
            "previous_transaction_id": null,
            "state": "pending",
            "amount": "5.30",
            "currency": "USD",
            "created_time": "2021-02-02T22:27:13+00:00",
            "updated_time": "2021-03-02T20:39:56+00:00",
            "details": {
                "card_id": "71efc729-830f-455f-9525-281c19bb4bb4",
                "mcc": "3542",
                "mcc_description": "matrix dynamic eyeballs",
                "currency": "USD",
                "exchange_rate": "0.00",
                "merchant_id": "9le8DI5z8am54O3b",
                "merchant_name": "Baldwin, Wright and Martinez",
                "merchant_city": "New Nathanshire",
                "merchant_state": "Missouri",
                "merchant_country": "Colombia",
                "merchant_postal_code": "34100",
                "merchant_currency": "",
                "merchant_amount": "",
                "exchange_rate": "",
                "cardholder_presence": true,
                "statement_descriptor": "Target #4744",
                "arn": "000091556011",
                "fraud_rule_triggered": "spend_velocity"
            }
        },
        {
            "transaction_id": "6460856a-e431-4d5f-a6d2-deb87c01042f",
            "bond_brand_id": "4b3fab91-7b67-4300-95f7-437dacac5e78",
            "customer_id": "00b9a8ed-03b5-4ce4-a0dd-9bb47aefd2b0",
            "account_id": "9e5f7953-743d-46d0-88ae-dacc395e8030",
            "payment_type": "ach",
            "transaction_type": "credit",
            "transaction_state": "completed",
            "previous_transaction_id": null,
            "state": "pending",
            "amount": "3.22",
            "currency": "USD",
            "created_time": "2021-01-17T06:37:44+00:00",
            "updated_time": "2021-03-04T01:09:46+00:00",
            "details": {
                "card_id": "21775c4e-c74e-40e8-83ec-1e2c9781d587",
                "external_account_id": "d6517906-a318-43b5-849f-0b42032c0a1f",
                "class_code": "ppd",
                "direction": "credit",
                "network": "ach",
                "description": "Testing",
                "failure_reason": "Invalid ACH routing number",
                "return_code": "R13",
                "products": ["direct deposit", "payroll"]
            }
        }
    ]
}

Retrieve transaction details

To retrieve details for a single transaction, use the GetTransaction endpoint and include the transaction_id in the path parameter.

Example request of GetTransaction

cURL
curl --request GET \
     --url https://sandbox.atelio.com/api/v0.1/transactions/b9b8da9a-5ff2-4e5c-84ee-587b7d092f6b \
     --header 'accept: application/json'

Example response to a successful request to retrieve all transactions:

JSON
{
  "transaction_id": "b9b8da9a-5ff2-4e5c-84ee-587b7d092f6b",
  "bond_brand_id": "8ed5c9fe-581b-490a-9dcb-3302db235a4b",
  "customer_id": "6493109c-7cb5-4f21-9d19-d9c3901d452d",
  "account_id": "9dc86a8a-4c12-4107-84a8-e7cf6a76586f",
  "payment_type": "card",
  "transaction_type": "credit",
  "previous_transaction_id": null,
  "state": "pending",
  "amount": "5.30",
  "currency": "USD",
  "created_time": "2021-02-02T22:27:13+00:00",
  "updated_time": "2021-03-02T20:39:56+00:00",
  "balances": {
    "prior_balance": "68.83",
    "new_balance": "63.53"
  },
  "details": {
    "card_id": "71efc729-830f-455f-9525-281c19bb4bb4",
    "mcc": "3542",
    "mcc_description": "matrix dynamic eyeballs",
    "currency": "USD",
    "exchange_rate": "1.0",
    "merchant_id": "9le8DI5z8am54O3b",
    "merchant_name": "Baldwin, Wright and Martinez",
    "merchant_city": "New Nathanshire",
    "merchant_state": "Missouri",
    "merchant_country": "Colombia",
    "merchant_postal_code": "34100",
    "merchant_currency": "USD",
    "merchant_amount": "5.30",
    "cardholder_presence": true,
    "statement_descriptor": "Target #4744",
    "arn": "000091556011",
    "fraud_rule_triggered": "spend_velocity"
  }
}

Introduction​

Card payments​

ACH payments​

Account payments​

Transaction types​

Card transactions​

ACH transactions​

Account transactions​

Transaction examples​

Cash withdrawal​

ATM withdrawal fee payload​

Card reissue fee payload​

Pre-authorization​

POS purchase​

Credit adjustment​

Provisional credit​

Purchase returns​

Payroll to credit accounts​

Payroll to deposit accounts​

Retrieve transactions​

Retrieve all transactions​

Example request to get all transactions:​

Example response to a successful request to retrieve all transactions:​

Retrieve transaction details​

Example request of GetTransaction​

Example response to a successful request to retrieve all transactions:​

Introduction

Card payments

ACH payments

Account payments

Transaction types

Card transactions

ACH transactions

Account transactions

Transaction examples

Cash withdrawal

ATM withdrawal fee payload

Card reissue fee payload

Pre-authorization

POS purchase

Credit adjustment

Provisional credit

Purchase returns

Payroll to credit accounts

Payroll to deposit accounts

Retrieve transactions

Retrieve all transactions

Example request to get all transactions:

Example response to a successful request to retrieve all transactions:

Retrieve transaction details

Example request of GetTransaction

Example response to a successful request to retrieve all transactions: