> ## 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. # Ledger Integration Use Cases This topic walks through example transaction scenarios to help you understand the message sequences your ledger will receive and how to respond to each one. The use cases cover the full range of Authorisation Request, Transaction Event, and Clearing File message flows, and are intended to complement the implementation instructions in the [Authorisation Request API Endpoint](authorisation/authorisation-request-message), [Transaction Event Webhook](authorisation/transaction-event-webhook), and [Clearing](clearing) guides, where the required ledger actions for each message type are specified in detail. ## Column Reference | Column | Description | | ----------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Step** | Sequence of the message being sent | | **Interface** | The interface used to deliver the message:

Authorisation Request (AR): Enfuce calls the ledger to verify the availability of funds and, if approved, place an account hold for the amount.
Transaction Event Webhook (TE): Enfuce asynchronously notifies the ledger of each message it has received and processed from the payment scheme.
Clearing File (CF): Enfuce processes the clearing file, received from the payment Scheme, removes sensitive data and changes the format, and then sends it to the ledger. Each clearing file contains multiple clearing messages.
TE & CF: Clearing messages (`messageCategory`: `FINANCIAL`) are sent via both the clearing file and the Transaction Event Webhook. The Transaction Event delivery is optional and can be disabled. You might keep it enabled to feed systems such as a data warehouse.

| | **Request Data** | Content sent in the request payload to the ledger:

`messageCategory`, `messageFunction`, `transactionType`
`id`: Unique identifier of the specific Scheme message.
`transactionId`: A unique identifier that associates all messages related to the same card transaction.
`responseCode`: The response returned to the card Scheme.

| | **Ledger Action** | The action that the ledger must take up to adjust the cardholder's account balance. | | **Response** | Values returned by the ledger in response to the message sent via the AR interface. | * `transactionId`, `id`, and amount values are illustrative. * All examples use starting values of Reserved = 0 and Booked Balance = 1000. * The Request Data shown for each step represents the key fields relevant to the ledger. Additional fields will be present in the actual messages and may be used optionally. ## Basic Retail Authorisation

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	100

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, decline.

Account state after this message:

reserved:	0
balance:	1000

response:

NOT\_SUFFICIENT\_FUNDS

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	0
balance:	1000

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	0
balance:	1000

*** ## Incremental Authorisation

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	120
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	00

No action.

Account state after this message:

reserved:	120
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	120

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	880

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, decline.

Account state after this message:

reserved:	100
balance:	1000

response:

NOT\_SUFFICIENT\_FUNDS

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	100

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	100

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	120
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	00

No action.

Account state after this message:

reserved:	120
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	15
approvedAmount:	15

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	135
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	15
approvedAmount:	15
responseCode:	00

No action.

Account state after this message:

reserved:	135
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E004
billingAmount:	135

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	865

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	120
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	00

No action.

Account state after this message:

reserved:	120
balance:	1000

messageCategory:	ADJUSTMENT
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	120
approvedAmount:	80
responseCode:	00

Adjust the account hold on the linked transaction.

Account state after this message:

reserved:	80
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E004
billingAmount:	80

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	920

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	120
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	00

No action.

Account state after this message:

reserved:	120
balance:	1000

messageCategory:	REVERSAL
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	120
approvedAmount:	120
responseCode:	00

Remove the account hold on the linked transaction.

Account state after this message:

reserved:	0
balance:	1000

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	120
balance:	1000

response:

APPROVED

messageCategory:	INCREMENTAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	20
approvedAmount:	20
responseCode:	00

No action.

Account state after this message:

reserved:	120
balance:	1000

messageCategory:	PURGE\_AUTHORIZATION
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E003

Remove the account hold on the linked transaction.

Account state after this message:

reserved:	0
balance:	1000

*** ## Partial Approval The partial approval in this case is applied by the processor, for example due to spend control rules that cap the transaction amount below what was originally requested.

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	80
partialApprovalCapable:	TRUE

Check the balance, partially approve and place an account hold for the approved amount.

Account state after this message:

reserved:	80
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	80
partialApprovalCapable:	TRUE
responseCode:	10

No action.

Account state after this message:

reserved:	80
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	80
approvedAmount:	80

Remove the remaining account hold, book the transaction, and update the balance.

Account state after this message:

reserved:	0
balance:	920

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
partialApprovalCapable:	TRUE

Check the balance, partially approve, and place an account hold.

Account state after this message:

reserved:	80
balance:	1000

approvalAmount:	80
response:	PARTIALLY\_APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	80
partialApprovalCapable:	TRUE
responseCode:	10

No action.

Account state after this message:

reserved:	80
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	80

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	920

*** ## Adjustments and Reversals This case is based on a scheme ISO 8583 MTI 0120 message (acquirer advice).

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	ADJUSTMENT
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	80
approvedAmount:	80
responseCode:	00

Adjust the account hold on the linked transaction.

Account state after this message:

reserved:	80
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	80
approvedAmount:	80

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	920

This case is based on a scheme ISO 8583 MTI 0420 message (reversal).

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	ADJUSTMENT
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	100
approvedAmount:	80
responseCode:	00

Adjust the account hold on the linked transaction.

Account state after this message:

reserved:	80
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	80
approvedAmount:	80

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	920

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	REVERSAL
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	100
approvedAmount:	100
responseCode:	00

Remove the account hold on the linked transaction.

Account state after this message:

reserved:	0
balance:	1000

*** ## Refunds

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	CREDIT
transactionId:	T001
id:	E001
billingAmount:	33
approvedAmount:	33

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	0
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	CREDIT
transactionId:	T001
id:	E001
billingAmount:	33
approvedAmount:	33
responseCode:	00

No action.

Account state after this message:

reserved:	0
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	CREDIT
transactionId:	T001
id:	E002
billingAmount:	33

Book the crediting transaction and update the balance.

Account state after this message:

reserved:	0
balance:	1033

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	CREDIT
transactionId:	T001
id:	E001
billingAmount:	33
approvedAmount:	33

Decide that it's not permitted to accept a crediting transaction and decline.

Account state after this message:

reserved:	0
balance:	1000

response:

NOT\_PERMITTED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	CREDIT
transactionId:	T001
id:	E001
billingAmount:	33
approvedAmount:	33
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	0
balance:	1000

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	CREDIT
transactionId:	T001
id:	E001
billingAmount:	33
approvedAmount:	33
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	0
balance:	1000

*** ## Scheme Advices (STIP)

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

Place an account hold.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	DECLINED\_AUTHORIZATION
messageFunction:	ADVICE
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	≠ 00/10/85

No action.

Account state after this message:

reserved:	0
balance:	1000

*** ## Balance Inquiry

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	BALANCE\_INQUIRY
messageFunction:	REQUEST
transactionId:	T001
id:	E001

Approve and return the correct balance.

response:	APPROVED
availableAmount:	44

messageCategory:	BALANCE\_INQUIRY
messageFunction:	REQUEST
transactionId:	T001
id:	E001

No action.

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	BALANCE\_INQUIRY
messageFunction:	REQUEST
transactionId:	T001
id:	E001

Check the balance, decline.

response:

NOT\_PERMITTED

messageCategory:	BALANCE\_INQUIRY
messageFunction:	REQUEST
transactionId:	T001
id:	E001

No action.

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	BALANCE\_INQUIRY
messageFunction:	REQUEST
transactionId:	T001
id:	E001
responseCode:	≠ 00/10/85

No action.

*** ## PIN Management

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	PIN\_MANAGEMENT
messageFunction:	REQUEST
transactionId:	T001
id:	E001
responseCode:	00

No action.

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	PIN\_MANAGEMENT
messageFunction:	REQUEST
transactionId:	T001
id:	E001
responseCode:	≠ 00/10/85

No action.

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	PIN\_MANAGEMENT\_REVERSAL
messageFunction:	ADVICE
transactionId:	T001
id:	E001

No action.

*** ## Purge and Void

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

messageCategory:	PURGE\_AUTHORIZATION
messageFunction:	ADVICE
transactionId:	T001
id:	E002

Remove the account hold on the linked transaction.

Account state after this message:

reserved:	0
balance:	1000

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	0 or 100
balance:	1000

response:

APPROVED

messageCategory:	VOID\_AUTHORIZATION
messageFunction:	ADVICE
transactionId:	T001
id:	E002
referenceTransactionEventId:	E001

Remove the account hold on the linked transaction if it exists.

Account state after this message:

reserved:	0
balance:	1000

*** ## Clearing

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve, and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	99

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	901

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	101

Remove the remaining account hold, book the transaction, and update the balance.

Account state after this message:

reserved:	0
balance:	899

Step

Interface

Request Data

Ledger Action

Response

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100

Book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	100

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	REVERSAL
transactionId:	T001
id:	E004
billingAmount:	100

Book the crediting transaction and restore the account balance.

Account state after this message:

reserved:	0
balance:	1000

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	75
clearingStatus:	PARTIAL
partialClearingApplied:	TRUE

Remove part of the account hold, book the transaction and update the balance.

Account state after this message:

reserved:	25
balance:	925

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E003
billingAmount:	25
clearingStatus:	CLEARED
partialClearingApplied:	TRUE

Remove the remaining account hold, book the transaction and update the balance.

Account state after this message:

reserved:	0
balance:	900

Step

Interface

Request Data

Ledger Action

Response

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100

Check the balance, approve and place an account hold.

Account state after this message:

reserved:	100
balance:	1000

response:

APPROVED

messageCategory:	INITIAL\_AUTHORIZATION
messageFunction:	REQUEST
transactionType:	RETAIL
transactionId:	T001
id:	E001
billingAmount:	100
approvedAmount:	100
responseCode:	00

No action.

Account state after this message:

reserved:	100
balance:	1000

TE\&CF

messageCategory:	FINANCIAL
messageFunction:	NOTIFICATION
transactionType:	RETAIL
transactionId:	T001
id:	E002
billingAmount:	75
clearingStatus:	PARTIAL
partialClearingApplied:	TRUE

Remove part of the account hold, book the transaction and update the balance.

Account state after this message:

reserved:	25
balance:	925

messageCategory:	PURGE\_AUTHORIZATION
messageFunction:	ADVICE
transactionId:	T001
id:	E003

Remove the account hold on the linked transaction.

Account state after this message:

reserved:	0
balance:	925