Passive FAST
In a passive FAST scenario, after Paymentology processes a transaction and responds to the network, notifications are generated and sent to the client endpoint. This means that the client endpoint receives transaction updates only after Paymentology has completed processing and communicating with the Payment Scheme Network.
The purpose of this approach is to ensure that you are promptly informed of the status and details of your cardholder transactions once they have been successfully handled by Paymentology.
By delivering notifications post-response, you can have confidence that the information received accurately reflects the current state of your and your cardholders financial activities.
Passive FAST use cases
There are two use cases in which Passive FAST is applicable:
- Local Store of Value Product Option:
- When a client selects a product option with a local store of value, also known as internal authorization, they have the choice to activate passive FAST notifications.
- This enables clients to receive transaction updates post-processing by Paymentology and subsequent communication with the Payment Scheme Network.
- Remote Store of Value Product Option with Passive FAST:
- Clients choosing a product option with a remote store of value but desiring passive FAST notifications can also benefit.
- Despite the store of value being remote, clients can still opt-in to receive passive FAST notifications in addition to regular FAST updates.
Passive FAST Format and sample
Passive FAST follows a similar format and structure as Active FAST.
The only difference between an Active FAST and a Passive FAST authorization message is the addition of the DE39 field in the ISO_MSG object. This field contains the response code sent by Paymentology to the Payment Scheme Network.
For example, you can contrast the Active FAST sample and the Passive FAST sample below:
{
"MESSAGE_TYPE": {
"Message_Type": "0100",
"Message_Desc": "Authorisation Request"
},
"SUMMARY": {
"TID": "2453301012345678996",
"RID": "2412345",
"PID": "1111",
"Client_Id": "123456",
"Transaction_Date_Time": "20-09-2023 08:21:41",
"Network": "MC",
"Spend_Type": "POS - Purchase",
"Spend_Location": "MERCHANT PLACE LOCATION",
"Transaction_Amount": "350",
"Transaction_Currency": "HKD",
"Billing_Amount": "350",
"Billing_Currency": "HKD",
"Card_Use_Type": "Chip",
"Customer_Validation": "ARQC ",
"Processor_Decision_Code": "00",
"Processor_Reason_Code": "000",
"Processor_Decision_Desc": "Approve",
"Merchant_Category": "5499 - Miscellaneous Food Stores-Convenience Stores and Specialty Markets",
"Account_Id": "298123456",
"Customer_Ac": "NA",
"Total_Fee_Bill": "0"
},
"PROCESSOR_VALIDATIONS": {
"Pan_Check": "PASS",
"Pin_Check": "NA",
"Expiry_Check": "PASS",
"Track_Check": "PASS",
"CVV_Type": "4",
"CVV_Check": "BYPASS",
"ARQC_Check": "PASS",
"3DS_Check": "NA",
"Test_Matrix": "2447425042760349112",
"Test_Results": "0",
"Rules_Checked": "12345,12346,12347",
"Rules_Triggered": "12347",
"Rules_Decision": "00"
},
"ISO_MSG": {
"DE2": "736346106",
"DE3_1": "00",
"DE3_2": "00",
"DE3_3": "00",
"DE4": "000000035000",
"DE6": "000000035000",
"DE7": "0920082141",
"DE10": "61000000",
"DE11": "000096",
"DE12": "075120",
"DE13": "0920",
"DE14": "2407",
"DE15": "0612",
"DE16": "0612",
"DE18": "5499",
"DE22": "052",
"DE23": "000",
"DE32": "012345",
"DE35": "736346106D2407***",
"DE37": "085000100002",
"DE38": "10577Z",
"DE41": "12345678",
"DE42": "123456789123456",
"DE43": "MERCHANT PLACE LOCATION",
"DE48": {
"1": "R",
"38": "Z"
},
"DE49": "344",
"DE51": "344",
"DE55": {
"82": "5800",
"95": "0000000000",
"9F10": "010100A0030000C1",
"9F27": "80",
"9F36": "0028",
"9F34": "1E0300",
"9F33": "E0E8E8"
},
"DE61": "0000000000800826902101234",
"DE63": "MCS0110QI",
"DE95": "000000000000000000000000000000000000001000"
},
"RULES": [
{
"Rule_Id": 12345,
"Rule_Type": "Au",
"Rule_Check_Result": 0,
"Pattern_Result": false,
"Current_Txn_Amt_Deviation": 350,
"Aggregate_Deviation": 0,
"Count_Deviation": 0
},
{
"Rule_Id": 12346,
"Rule_Type": "Au",
"Rule_Check_Result": 0,
"Pattern_Result": false,
"Current_Txn_Amt_Deviation": 0,
"Aggregate_Deviation": 0,
"Count_Deviation": 0,
},
{
"Rule_Id": 12347,
"Rule_Type": "Au",
"Rule_Check_Result": 12,
"Pattern_Result": true,
"Current_Txn_Amt_Deviation": 30,
"Aggregate_Deviation": 0,
"Count_Deviation": 0,
},
]
}{
"MESSAGE_TYPE": {
"Message_Type": "0100",
"Message_Desc": "Authorisation Request"
},
"SUMMARY": {
"TID": "2453301012345678996",
"RID": "2412345",
"PID": "1111",
"Client_Id": "123456",
"Transaction_Date_Time": "20-09-2023 08:21:41",
"Network": "MC",
"Spend_Type": "POS - Purchase",
"Spend_Location": "MERCHANT PLACE LOCATION",
"Transaction_Amount": "350",
"Transaction_Currency": "HKD",
"Billing_Amount": "350",
"Billing_Currency": "HKD",
"Card_Use_Type": "Chip",
"Customer_Validation": "ARQC ",
"Processor_Decision_Code": "00",
"Processor_Reason_Code": "000",
"Processor_Decision_Desc": "Approve",
"Merchant_Category": "5499 - Miscellaneous Food Stores-Convenience Stores and Specialty Markets",
"Account_Id": "298123456",
"Customer_Ac": "NA",
"Total_Fee_Bill": "0"
},
"PROCESSOR_VALIDATIONS": {
"Pan_Check": "PASS",
"Pin_Check": "NA",
"Expiry_Check": "PASS",
"Track_Check": "PASS",
"CVV_Type": "4",
"CVV_Check": "BYPASS",
"ARQC_Check": "PASS",
"3DS_Check": "NA",
"Test_Matrix": "2447425042760349112",
"Test_Results": "0",
"Rules_Checked": "12345,12346,12347",
"Rules_Triggered": "12347",
"Rules_Decision": "00"
},
"ISO_MSG": {
"DE2": "736346106",
"DE3_1": "00",
"DE3_2": "00",
"DE3_3": "00",
"DE4": "000000035000",
"DE6": "000000035000",
"DE7": "0920082141",
"DE10": "61000000",
"DE11": "000096",
"DE12": "075120",
"DE13": "0920",
"DE14": "2407",
"DE15": "0612",
"DE16": "0612",
"DE18": "5499",
"DE22": "052",
"DE23": "000",
"DE32": "012345",
"DE35": "736346106D2407***",
"DE37": "085000100002",
"DE38": "10577Z",
"DE39": "00",
"DE41": "12345678",
"DE42": "123456789123456",
"DE43": "MERCHANT PLACE LOCATION",
"DE48": {
"1": "R",
"38": "Z"
},
"DE49": "344",
"DE51": "344",
"DE55": {
"82": "5800",
"95": "0000000000",
"9F10": "010100A0030000C1",
"9F27": "80",
"9F36": "0028",
"9F34": "1E0300",
"9F33": "E0E8E8"
},
"DE61": "0000000000800826902101234",
"DE63": "MCS0110QI",
"DE95": "000000000000000000000000000000000000001000"
},
"RULES": [
{
"Rule_Id": 12345,
"Rule_Type": "Au",
"Rule_Check_Result": 0,
"Pattern_Result": false,
"Current_Txn_Amt_Deviation": 350,
"Aggregate_Deviation": 0,
"Count_Deviation": 0
},
{
"Rule_Id": 12346,
"Rule_Type": "Au",
"Rule_Check_Result": 0,
"Pattern_Result": false,
"Current_Txn_Amt_Deviation": 0,
"Aggregate_Deviation": 0,
"Count_Deviation": 0,
},
{
"Rule_Id": 12347,
"Rule_Type": "Au",
"Rule_Check_Result": 12,
"Pattern_Result": true,
"Current_Txn_Amt_Deviation": 30,
"Aggregate_Deviation": 0,
"Count_Deviation": 0,
},
]
}Response handling policy for Passive FAST
Paymentology expects an HTTP success response with a status code in the 2XX range within a defined timeout period.
In the event of a response time out, Paymentology will retry the request for a configured* number of times. However, in the event of any HTTP failure error, no retries will be attempted.
*this configuration is input during implementation and can be adjusted at a later date.
Passive FAST samples with Ledger Action Recommendation
This section includes sample Passive FAST messages with the Ledger Action Recommendation node. Availability depends on your implementation setup, so it may not be enabled by default.
Click the transaction type to view the full sample message.
ATM Withdrawal with DE and FEEs
1. ATM Withdrawal with DE and FEEs{ "MESSAGE_TYPE": { "Message_Type": "0100", "Message_Desc": "Authorisation Request" }, "SUMMARY": { "TID": "3412457922345000012", "RID": "132522", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "06-05-2026 12:43:11", "Network": "MC", "Spend_Type": "ATM - Withdrawal", "Spend_Location": "NatWest ATM Online Pin London GBR", "Transaction_Amount": "10", "Transaction_Currency": "GBP", "Billing_Amount": "10", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC ", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Response_Code": "APPROVED", "Processor_Decision_Desc": "Approve", "Merchant_Category": "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "11.0", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3600346530252457403", "Test_Results": "9007199254740992", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "01", "DE3_2": "00", "DE3_3": "00", "DE4": "000000001000", "DE6": "000000001000", "DE7": "0506124312", "DE10": "61000000", "DE11": "000012", "DE12": "093345", "DE13": "0506", "DE14": "2902", "DE15": "0612", "DE16": "0612", "DE18": "6011", "DE22": "051", "DE23": "000", "DE26": "04", "DE32": "012345", "DE35": "108914928D29022210108914928***", "DE37": "085000100001", "DE38": "329579", "DE39": "00", "DE41": "12345678", "DE42": "123456789123456", "DE43": "NatWest ATM Online Pin London GBR", "DE48": { "1": "Z", "80": "TV" }, "DE49": "826", "DE51": "826", "DE55": { "82": "5800", "95": "0000040000", "9F10": "010103250300DAC1", "9F27": "80", "9F36": "0116", "9F34": "420100", "9F33": "604020" }, "DE61": "0000000000500826902101234", "DE63": "MCC0110QH" }, "DECISION_ENGINE": { "Actions": [ { "id": "6", "typeName": "FEE", "details": { "amount": "11", "basis": "<CHARGE_IF_APPROVED|CHARGE_IF_DECLINED|ALWAYS_CHARGE>", "currencyCode": "352", "attributes": [] } } ], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3412457922345000012", "rid": "132522", "relatedEvents": [], "stateHash": "DD44E3DDF14086768D88433E7742018020B381615B9BD367C67508D9C73775DE", "current": { "event": { "type": "AUTHORISATION", "occurredAt": "2026-05-06T12:43:11.748Z", "sequenceNumber": 1, "reasonCode": "000" }, "expectedHoldExpiry": "2026-05-16T12:43:12Z", "sourceAmounts": { "transaction": { "minor": 1000, "scale": 2, "currency": "GBP" }, "billing": { "minor": 1000, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": 2100, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": 1000, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 1100, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 1000, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 1100, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "fees": [ { "feeId": "39", "description": "test", "source": "DECISION_ENGINE", "amount": { "minor": 1100, "scale": 2, "currency": "GBP" }, "feeLegSeq": 1 } ] } } }POS Purchase with DE and FEEs
2. POS Purchase with DE and FEEs{ "MESSAGE_TYPE": { "Message_Type": "0100", "Message_Desc": "Authorisation Request" }, "SUMMARY": { "TID": "3421263701625000006", "RID": "134917", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "15-05-2026 07:19:30", "Network": "MC", "Spend_Type": "POS - Purchase", "Spend_Location": "Sainsbury London GBR", "Transaction_Amount": "1", "Transaction_Currency": "GBP", "Billing_Amount": "1", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "Online Pin + ARQC ", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Response_Code": "APPROVED", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5812 - Eating Places and Restaurants", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "10.1", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "PASS", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "PASS", "3DS_Check": "NA", "Test_Matrix": "3600346530252326330", "Test_Results": "1125899906842624", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "00", "DE3_2": "00", "DE3_3": "00", "DE4": "000000000100", "DE6": "000000000100", "DE7": "0515071930", "DE10": "61000000", "DE11": "000006", "DE12": "071920", "DE13": "0515", "DE14": "2902", "DE15": "0915", "DE16": "0915", "DE18": "5812", "DE22": "051", "DE23": "000", "DE26": "12", "DE32": "001625", "DE33": "200125", "DE35": "108914928D29022210108914928***", "DE37": "000000003671", "DE38": "750743", "DE39": "00", "DE41": "46342530", "DE42": "343217303 ", "DE43": "Sainsbury London GBR", "DE48": { "1": "F", "61": "00001", "80": "TV", "75": "0103001020214", "71": "18C " }, "DE49": "826", "DE51": "826", "DE55": { "82": "3900", "95": "0000048000", "9F10": "0110A04003240000000000000000000000FF9F3303E0F0C8", "9F27": "80", "9F36": "012F", "9F34": "420300" }, "DE61": "000000000030082607800 ", "DE63": "MDSLDRJLF" }, "DECISION_ENGINE": { "Actions": [ { "id": "6", "typeName": "FEE", "details": { "amount": "10.1", "basis": "<CHARGE_IF_APPROVED|CHARGE_IF_DECLINED|ALWAYS_CHARGE>", "currencyCode": "352", "attributes": [] } } ], "DryRunActions": []}, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3421263701625000006", "rid": "134917", "relatedEvents": [], "stateHash": "92AD317553097F7579EE530C91BF48011A7D413F4CCE48C8148AF939AB4FBEC0", "current": { "event": { "type": "AUTHORISATION", "occurredAt": "2026-05-15T07:19:30.260Z", "sequenceNumber": 1, "reasonCode": "000" }, "expectedHoldExpiry": "2026-05-25T07:19:30Z", "sourceAmounts": { "transaction": { "minor": 100, "scale": 2, "currency": "GBP" }, "billing": { "minor": 100, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": 1110, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": 100, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 1010, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 100, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 1010, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "fees": [ { "feeId": "6", "description": "test", "source": "DECISION_ENGINE", "amount": { "minor": 1010, "scale": 2, "currency": "GBP" }, "feeLegSeq": 1 } ] } } }POS Purchase Full Reversal with DE and FEEs
3. POS Purchase Full Reversal with DE and FEEs{ "MESSAGE_TYPE": { "Message_Type": "0400", "Message_Desc": "Reversal Request" }, "SUMMARY": { "TID": "3421263701625000006", "RID": "134918", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "15-05-2026 07:19:32", "Network": "MC", "Spend_Type": "POS - Purchase", "Spend_Location": "Sainsbury London GBR", "Transaction_Amount": "1", "Transaction_Currency": "GBP", "Billing_Amount": "1", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Response_Code": "APPROVED", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5812 - Eating Places and Restaurants", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "10.1", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "NA", "Expiry_Check": "NA", "Track_Check": "NA", "CVV_Type": "0", "CVV_Check": "NA", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "562949953421368", "Test_Results": "0", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "00", "DE3_2": "00", "DE3_3": "00", "DE4": "000000000100", "DE6": "000000000100", "DE7": "0515071932", "DE10": "61000000", "DE11": "000007", "DE12": "071920", "DE13": "0515", "DE14": "2902", "DE15": "0915", "DE16": "0915", "DE18": "5812", "DE22": "051", "DE23": "000", "DE26": "12", "DE32": "001625", "DE33": "200125", "DE35": "5454540000032990D29022210108914928***", "DE37": "000000003671", "DE39": "00", "DE41": "46342530", "DE42": "343217303 ", "DE43": "Sainsbury London GBR", "DE48": { "1": "F", "61": "00001", "80": "TV", "75": "0103001020214", "71": "18C " }, "DE49": "826", "DE51": "826", "DE55": { "82": "3900", "95": "0000048000", "9F10": "0110A04003240000000000000000000000FF9F3303E0F0C8", "9F27": "80", "9F36": "012F", "9F34": "420300" }, "DE61": "000000000030082607800 ", "DE63": "MDSLDRJLF", "DE90": "010000000605150719300000000162500000200125" }, "DECISION_ENGINE": { "Actions": [ { "id": "6", "typeName": "FEE", "details": { "amount": "10.1", "basis": "<CHARGE_IF_APPROVED|CHARGE_IF_DECLINED|ALWAYS_CHARGE>", "currencyCode": "352", "attributes": [] } } ], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3421263701625000006", "rid": "134918", "relatedEvents": [ { "rid": "134917", "type": "AUTHORISATION", "occurredAt": "2026-05-15T07:19:30.260Z" } ], "stateHash": "A61F0A3F738EEE8A4791BF1CB4AD0330A956951F4CBD25683916C86B30ACF836", "current": { "event": { "type": "REVERSAL_FULL", "occurredAt": "2026-05-15T07:19:32.711Z", "sequenceNumber": 2, "reasonCode": "000" }, "expectedHoldExpiry": "2026-05-25T07:19:32Z", "sourceAmounts": { "transaction": { "minor": 100, "scale": 2, "currency": "GBP" }, "billing": { "minor": 100, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": -1110, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": -100, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 1110, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": -1010, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 1110, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "fees": [ { "feeId": "6", "description": "test", "source": "DECISION_ENGINE", "amount": { "minor": -1010, "scale": 2, "currency": "GBP" }, "feeLegSeq": 1 } ] } } }Authorisation Expiry
4. Authorisation Expiry{ "MESSAGE_TYPE": { "Message_Type": "0420", "Message_Desc": "Reversal Advisement" }, "SUMMARY": { "TID": "3412518632216000022", "RID": "132557", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "06-05-2026 20:09:36", "Network": "PPWR", "Spend_Type": "", "Spend_Location": "Blizzard EntertainmentVelizy VilacoFRA", "Transaction_Amount": "10.0000", "Transaction_Currency": "GBP", "Billing_Amount": "10.0000", "Billing_Currency": "GBP", "Card_Use_Type": "NA", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Decision_Desc": "Approve", "Merchant_Category": "7994-Video Game Arcades", "Account_Id": "697653884", "Total_Fee_Bill": "0", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "BYPASS", "Expiry_Check": "PASS", "Track_Check": "BYPASS", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "BYPASS", "3DS_Check": "NA", "Test_Matrix": "0", "Test_Results": "0", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "00", "DE3_2": "00", "DE3_3": "00", "DE4": "000000001000", "DE6": "000000001000", "DE7": "0506200936", "DE10": "61000000", "DE11": "000022", "DE12": "200936", "DE13": "0506", "DE15": "0606", "DE16": "0605", "DE18": "7994", "DE22": "812", "DE28": "0.0000", "DE32": "012216", "DE33": "200179", "DE37": "061406088942", "DE38": "301829", "DE39": "00", "DE41": "25930370", "DE42": "4000065 ", "DE43": "Blizzard EntertainmentVelizy VilacoFRA", "DE48": { "1": "T", "42": "0103210", "82": "52" }, "DE49": "826", "DE51": "826", "DE60": "4100030 Authorization Expired- Internal Reversal ", "DE61": "1025104006600 25078140 ", "DE63": "MCC 536700", "DE90": "01000000220506200936012216200179", "DE120": "0414 60" }, "DECISION_ENGINE": { "Actions": [], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "FAST_LAR_ADVANCED": { "tid": "3412518632216000022", "rid": "132557", "relatedEvents": [ { "rid": "132554", "type": "AUTHORISATION", "occurredAt": "2026-05-06T14:24:23.757Z" } ], "stateHash": "8662A4B585E378C3245AB23BF787CC280F583B2979878729FA253D1712EF531D", "current": { "event": { "type": "AUTHORISATION_EXPIRY", "occurredAt": "2026-05-06T14:24:36.073Z", "sequenceNumber": 2, "reasonCode": "000" }, "expectedHoldExpiry": "2026-05-16T20:09:36Z", "sourceAmounts": { "transaction": { "minor": 1000, "scale": 2, "currency": "GBP" }, "billing": { "minor": 1000, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": false, "explanation": "Decisioning is not applicable; the transaction outcome cannot be overridden" }, "netImpact": { "minor": -1000, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": -1000, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 1000, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 1000, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } } } } } }POS Purchase Declined
5. POS Purchase Declined{ "MESSAGE_TYPE": { "Message_Type": "0100", "Message_Desc": "Authorisation Request" }, "SUMMARY": { "TID": "3421301831625000011", "RID": "134922", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "15-05-2026 08:23:03", "Network": "MC", "Spend_Type": "POS - Purchase", "Spend_Location": "Sainsbury London GBR", "Transaction_Amount": "1", "Transaction_Currency": "GBP", "Billing_Amount": "1", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "57", "Processor_Reason_Code": "458", "Processor_Response_Code": "TRANSACTION_NOT_PERMITTED", "Processor_Decision_Desc": "Decline - Token Flags: Decline All non-MDES( and non-ecom) card flag set to 1 ", "Merchant_Category": "5812 - Eating Places and Restaurants", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "0.0", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "NA", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "3530822142218207640", "Test_Results": "72057594037927936", "Rules_Decision": "57" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "00", "DE3_2": "00", "DE3_3": "00", "DE4": "000000000100", "DE6": "000000000100", "DE7": "0515082303", "DE10": "61000000", "DE11": "000011", "DE12": "082224", "DE13": "0515", "DE14": "2902", "DE15": "0915", "DE16": "0915", "DE18": "5812", "DE22": "051", "DE23": "000", "DE26": "12", "DE32": "001625", "DE33": "200125", "DE35": "108914928D29022210108914928***", "DE37": "000000003671", "DE39": "57", "DE41": "46342530", "DE42": "343217303 ", "DE43": "Sainsbury London GBR", "DE48": { "1": "F", "61": "00001", "80": "TV", "75": "0103001020214", "71": "18C " }, "DE49": "826", "DE51": "826", "DE55": { "82": "3900", "95": "0000048000", "9F10": "0110A04003240000000000000000000000FF9F3303E0F0C8", "9F27": "80", "9F36": "0133", "9F34": "420300" }, "DE61": "000000000030082607800 ", "DE63": "MDSLDRJLF" }, "DECISION_ENGINE": { "Actions": [ { "id": "5", "typeName": "DECLINE", "details": { "attributes": [] } } ], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3421301831625000011", "rid": "134922", "relatedEvents": [], "stateHash": "ED5AA4D287B18025F727B6D95E3A7476D992E3F325D9D4A382663A4BF684F3C9", "current": { "event": { "type": "AUTHORISATION", "occurredAt": "2026-05-15T08:23:03.030Z", "sequenceNumber": 1, "reasonCode": "458" }, "expectedHoldExpiry": "2026-05-25T08:23:03Z", "sourceAmounts": { "transaction": { "minor": 100, "scale": 2, "currency": "GBP" }, "billing": { "minor": 100, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": 0, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } } } } }ATM Balance Inquiry
6. ATM Balance Inquiry{ "MESSAGE_TYPE": { "Message_Type": "0100", "Message_Desc": "Authorisation Request" }, "SUMMARY": { "TID": "3421308112345000012", "RID": "134923", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "15-05-2026 08:33:30", "Network": "MC", "Spend_Type": "ATM - Balance Inquiry", "Spend_Location": "ASDA ATM BAL ENQ Poole GBR", "Transaction_Amount": "0", "Transaction_Currency": "GBP", "Billing_Amount": "0", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "57", "Processor_Reason_Code": "458", "Processor_Response_Code": "TRANSACTION_NOT_PERMITTED", "Processor_Decision_Desc": "Decline - Token Flags: Decline All non-MDES( and non-ecom) card flag set to 1 ", "Merchant_Category": "6011 - Financial Institutions--Automated Cash Disbursements ", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "0.0", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "NA", "Expiry_Check": "PASS", "Track_Check": "PASS", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "3530822142218207640", "Test_Results": "72057594037927936", "Rules_Decision": "57" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "30", "DE3_2": "00", "DE3_3": "00", "DE4": "000000000000", "DE6": "000000000000", "DE7": "0515083331", "DE10": "61000000", "DE11": "000012", "DE12": "083321", "DE13": "0515", "DE14": "2902", "DE15": "1118", "DE16": "1118", "DE18": "6011", "DE22": "051", "DE23": "000", "DE26": "04", "DE32": "012345", "DE35": "108914928D29022210108914928***", "DE37": "085010100001", "DE39": "57", "DE41": "01001101", "DE42": "123456789123456", "DE43": "ASDA ATM BAL ENQ Poole GBR", "DE48": { "1": "Z", "80": "TV" }, "DE49": "826", "DE51": "826", "DE55": { "82": "5800", "95": "0000000000", "9F10": "010103A0000000C1", "9F27": "80", "9F36": "0134", "9F34": "420100", "9F33": "604020" }, "DE61": "10000000018000561111111111", "DE63": "MCS011063" }, "DECISION_ENGINE": { "Actions": [], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3421308112345000012", "rid": "134923", "relatedEvents": [], "stateHash": "8F9A6E47B253F5A78749A0EA40A829681B67D223012B49E9EB231ED0F92890A6", "current": { "event": { "type": "AUTHORISATION", "occurredAt": "2026-05-15T08:33:30.191Z", "sequenceNumber": 1, "reasonCode": "458" }, "expectedHoldExpiry": "2026-05-25T08:33:31Z", "sourceAmounts": { "transaction": { "minor": 0, "scale": 2, "currency": "GBP" }, "billing": { "minor": 0, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": 0, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": 0, "scale": 2, "currency": "GBP" } } } } }POS Purchase Refund
7. POS Purchase Refund{ "MESSAGE_TYPE": { "Message_Type": "0100", "Message_Desc": "Authorisation Request" }, "SUMMARY": { "TID": "3421299261625000009", "RID": "134920", "PID": "5", "Client_Id": "123456", "Transaction_Date_Time": "15-05-2026 08:18:45", "Network": "MC", "Spend_Type": "POS - Refund", "Spend_Location": "Sainsbury London GBR", "Transaction_Amount": "1", "Transaction_Currency": "GBP", "Billing_Amount": "1", "Billing_Currency": "GBP", "Card_Use_Type": "Chip", "Customer_Validation": "PAN", "Processor_Decision_Code": "00", "Processor_Reason_Code": "000", "Processor_Response_Code": "APPROVED", "Processor_Decision_Desc": "Approve", "Merchant_Category": "5812 - Eating Places and Restaurants", "Account_Id": "697653884", "Customer_Ac": "697653884", "Total_Fee_Bill": "10.1", "Event_Occurrence": "INITIAL", "Card_Token": "108914928" }, "PROCESSOR_VALIDATIONS": { "Pan_Check": "PASS", "Pin_Check": "NA", "Expiry_Check": "NA", "Track_Check": "NA", "CVV_Type": "4", "CVV_Check": "BYPASS", "ARQC_Check": "NA", "3DS_Check": "NA", "Test_Matrix": "2378463587564781624", "Test_Results": "0", "Rules_Decision": "00" }, "ISO_MSG": { "DE2": "108914928", "DE3_1": "20", "DE3_2": "00", "DE3_3": "00", "DE4": "000000000100", "DE6": "000000000100", "DE7": "0515081846", "DE10": "61000000", "DE11": "000009", "DE12": "073927", "DE13": "0515", "DE14": "2902", "DE15": "0915", "DE16": "0915", "DE18": "5812", "DE22": "051", "DE23": "000", "DE26": "12", "DE32": "001625", "DE33": "200125", "DE35": "108914928D29022210108914928***", "DE37": "000000003671", "DE38": "510038", "DE39": "00", "DE41": "46342530", "DE42": "343217303 ", "DE43": "Sainsbury London GBR", "DE48": { "1": "F", "61": "00001", "80": "TV", "75": "0103001020214", "71": "18C " }, "DE49": "826", "DE51": "826", "DE55": { "82": "3900", "95": "0000048000", "9F10": "0110A04003240000000000000000000000FF9F3303E0F0C8", "9F27": "80", "9F36": "0131", "9F34": "420300" }, "DE61": "000000000030082607800 ", "DE63": "MDSLDRJLF" }, "DECISION_ENGINE": { "Actions": [], "DryRunActions": [] }, "LEDGER_ACTION_RECOMMENDATION": { "mode": "ADVANCED", "tid": "3421299261625000009", "rid": "134920", "relatedEvents": [], "stateHash": "3FE6148590BDD2172CD35425BBFBC90ADF273EF323B1FD0DC7DCD10CE3645241", "current": { "event": { "type": "REFUND", "occurredAt": "2026-05-15T08:18:45.392Z", "sequenceNumber": 1, "reasonCode": "000" }, "expectedHoldExpiry": "2026-05-25T08:18:46Z", "sourceAmounts": { "transaction": { "minor": 100, "scale": 2, "currency": "GBP" }, "billing": { "minor": 100, "scale": 2, "currency": "GBP" } }, "discretionaryDecision": { "allowed": true, "explanation": "Decisioning is enabled" }, "netImpact": { "minor": -910, "scale": 2, "currency": "GBP" }, "balanceChange": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": -910, "scale": 2, "currency": "GBP" } }, "runningTotals": { "authorised": { "minor": 0, "scale": 2, "currency": "GBP" }, "settled": { "minor": 0, "scale": 2, "currency": "GBP" }, "reversed": { "minor": 0, "scale": 2, "currency": "GBP" }, "fees": { "minor": 0, "scale": 2, "currency": "GBP" }, "riskHold": { "minor": 0, "scale": 2, "currency": "GBP" }, "pending": { "minor": -910, "scale": 2, "currency": "GBP" } } } } }