> ## Documentation Index > Fetch the complete documentation index at: https://nextgen-docs.enfuce.com/llms.txt > Use this file to discover all available pages before exploring further. # Send a Stand-In Processing (STIP) Transaction > Send a request to this endpoint to simulate a STIP transaction. The card Scheme processes the authorisation request on behalf of the processor, when the processor is unavailable. The `decision` parameter denotes the Scheme response: - `APPROVAL` — The Scheme approved the transaction. - `DECLINE` — The Scheme declined the transaction. The `initiator` parameter denotes who triggered the STIP: - `SCHEME_INITIATED` — the Scheme initiated the stand-in processing request. - `CUSTOMER_INITIATED` — the Customer initiated the stand-in processing request. The authorisation response code (ISO 8583 DE39) reported in the transaction event follows from the decision and the initiator, because a STIP decision is made by the Scheme and not by the issuer: | decision | initiator | Visa | Mastercard | |---|---|---|---| | `APPROVAL` | any | `00` | `00` | | `DECLINE` | `SCHEME_INITIATED` | `N0` | `96` | | `DECLINE` | `CUSTOMER_INITIATED` | `N0` | `91` | ## OpenAPI ````yaml json-files/mycore-test-api.openapi.json post /v1/authorizations/stip openapi: 3.0.3 info: version: '1' title: Test API description: > Available in the integration environment. Use this API to simulate payment card transactions for integration testing and card programme. All endpoints require **HTTP Basic Authentication** with the `CAT2_API_ALL` role. servers: - url: https://test-api.ext-uat1-sandbox.mycore.enfuce.com/test-api security: - basicAuth: [] tags: - name: authorizations description: Send authorisation, reversal, advice, and adjustment messages. - name: incremental description: >- Incremental authorisation — add authorized amount on top of an existing authorization. - name: stip description: Stand-In Processing — simulate scheme-initiated authorization decisions. - name: batch-transactions description: Run a full transaction lifecycle in one call. - name: legacy description: Legacy load-testing endpoint. paths: /v1/authorizations/stip: post: tags: - stip summary: Send a Stand-In Processing (STIP) Transaction description: > Send a request to this endpoint to simulate a STIP transaction. The card Scheme processes the authorisation request on behalf of the processor, when the processor is unavailable. The `decision` parameter denotes the Scheme response: - `APPROVAL` — The Scheme approved the transaction. - `DECLINE` — The Scheme declined the transaction. The `initiator` parameter denotes who triggered the STIP: - `SCHEME_INITIATED` — the Scheme initiated the stand-in processing request. - `CUSTOMER_INITIATED` — the Customer initiated the stand-in processing request. The authorisation response code (ISO 8583 DE39) reported in the transaction event follows from the decision and the initiator, because a STIP decision is made by the Scheme and not by the issuer: | decision | initiator | Visa | Mastercard | |---|---|---|---| | `APPROVAL` | any | `00` | `00` | | `DECLINE` | `SCHEME_INITIATED` | `N0` | `96` | | `DECLINE` | `CUSTOMER_INITIATED` | `N0` | `91` | operationId: postStipAuthorization parameters: - $ref: '#/components/parameters/auditUser' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/stipAuthorizationRequest' example: card: id: abc123 merchantData: id: '123456789012345' name: Coffee Shop city: Helsinki country: FIN categoryCode: '5812' acquirerId: '12345678901' acquirerCountry: FIN terminalId: TERM0001 transactionData: amount: value: 25 currency: EUR type: RETAIL cardEntryMode: CONTACTLESS decision: APPROVAL initiator: SCHEME_INITIATED responses: '200': description: STIP authorization processed content: application/json: schema: $ref: '#/components/schemas/authorizationResponse' '400': $ref: '#/components/responses/badRequest' '401': $ref: '#/components/responses/unauthorized' '403': $ref: '#/components/responses/forbidden' '404': $ref: '#/components/responses/notFound' '500': $ref: '#/components/responses/internalServerError' components: parameters: auditUser: name: auditUser in: query description: Identifier of the user performing the action, used for audit logging. required: true schema: type: string schemas: stipAuthorizationRequest: description: Stand-In Processing authorisation request payload. type: object required: - card - merchantData - transactionData - decision - initiator properties: card: type: object required: - id properties: id: type: string description: Card identifier. merchantData: type: object required: - id - name - city - country - categoryCode - acquirerId - acquirerCountry - terminalId properties: id: type: string description: Uniquely identifies the card acceptor (ISO 8583 DE42). maxLength: 15 name: type: string description: Merchant name (part of ISO 8583 DE43). maxLength: 25 city: type: string description: City where the transaction occurred (part of ISO 8583 DE43). maxLength: 13 country: $ref: '#/components/schemas/country' categoryCode: type: string description: Merchant category code (ISO 8583 DE18). maxLength: 4 example: '5812' acquirerId: type: string description: Financial institution acting as the acquirer (ISO 8583 DE32). maxLength: 11 acquirerCountry: $ref: '#/components/schemas/country' terminalId: type: string description: Uniquely identifies the terminal (ISO 8583 DE41). maxLength: 8 transactionData: type: object required: - amount - type - cardEntryMode properties: amount: type: object required: - value - currency properties: value: type: number minimum: 0 example: 25 currency: type: string description: ISO 4217 currency code. example: EUR settlementAmount: type: object properties: value: type: number minimum: 0 example: 25 currency: type: string description: ISO 4217 currency code. example: EUR type: $ref: '#/components/schemas/stipTransactionType' cardEntryMode: $ref: '#/components/schemas/cardEntryMode' transactionDateTime: type: string format: date-time description: >- Date and time of the transaction in ISO 8601 format (e.g. `2025-05-21T14:30:00Z`). decision: type: string description: The STIP decision to simulate. enum: - APPROVAL - DECLINE initiator: type: string description: Denotes who triggered the STIP authorisation. enum: - SCHEME_INITIATED - CUSTOMER_INITIATED transactionId: type: string description: Optional reference to an existing transaction. authorizationResponse: description: Response to the request. type: object properties: metadata: type: object properties: mti: type: string description: ISO 8583 Message Type Indicator of the response. maxLength: 4 example: '0110' id: $ref: '#/components/schemas/docId' transactionData: type: object properties: authResponseCode: $ref: '#/components/schemas/authResponseCode' retrievalReferenceNumber: $ref: '#/components/schemas/retrievalReferenceNumber' country: type: string description: ISO 3166-1 alpha-3 country code. example: FIN stipTransactionType: type: string description: Transaction type for STIP authorizations. enum: - RETAIL - CASH - ATM - CREDIT - P2P_CREDIT - P2P_DEBIT - UNIQUE cardEntryMode: type: string description: How card credentials were captured. enum: - MANUAL_ENTRY - MAGNETIC_STRIPE_READ - CHIP_READ - CONTACTLESS - ELECTRONIC_COMMERCE docId: type: string description: Unique authorization identifier (internal docId / ISO 8583 DE37). maxLength: 18 authResponseCode: type: string description: | ISO 8583 DE39 response code. Common values: - `00` — Approved - `05` — Do not honour - `51` — Insufficient funds - `54` — Expired card maxLength: 2 example: '00' retrievalReferenceNumber: type: string description: | Merchant/acquirer reference number (ISO 8583 DE37). Stays the same across all messages in a transaction lifecycle. maxLength: 12 errorResponse: description: Standard error response. type: object properties: code: type: string message: type: string id: type: string format: uuid errorCode: type: string errorType: type: string enum: - STATIC_VALIDATION_ERROR - DYNAMIC_VALIDATION_ERROR - INTEGRATION_ERROR - SECURITY_ERROR - UNEXPECTED_ERROR errorReason: type: string timestamp: type: string format: date-time responses: badRequest: description: Bad request content: application/json: schema: $ref: '#/components/schemas/errorResponse' unauthorized: description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/errorResponse' forbidden: description: Forbidden content: application/json: schema: $ref: '#/components/schemas/errorResponse' notFound: description: Not found content: application/json: schema: $ref: '#/components/schemas/errorResponse' internalServerError: description: Internal server error content: application/json: schema: $ref: '#/components/schemas/errorResponse' securitySchemes: basicAuth: type: http scheme: basic description: HTTP Basic Auth. Credentials must carry the `CAT2_API_ALL` role. ````