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​
Clearing Amount = Authorized Amount

The cardholder buys a pair of shoes for $200. 
{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Blue Shop",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "CLEARED",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
        "clearingDate": "2024-09-05T15:41:08.966+00:00"
    }
}

{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Blue Shop",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "CLEARED",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
        "clearingDate": "2024-09-05T15:41:08.966+00:00"
    }
}Clearing Amount < Authorized Amount

​
Clearing Amount < Authorized Amount

The cardholder stays at a hotel and pays $200 upfront, including a security deposit. 
{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Park Hotel",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Park Hotel",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 150,
        "currency": "USD",
        "usdAmount": 150,
        "merchant": "Park Hotel",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "CLEARED",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
        "clearingDate": "2024-09-05T15:41:08.966+00:00"
    }
}

​
Clearing Amount > Authorized Amount

The cardholder dines in at a restaurant for $200 and the tip is $20. 
{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Johns Restaurant",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Johns Restaurant",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 220,
        "currency": "USD",
        "usdAmount": 220,
        "merchant": "Johns Restaurant",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "CLEARED",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
        "clearingDate": "2024-09-05T15:41:08.966+00:00"
    }
}

​
Declined Transaction by BFinance

The cardholder buys a pair of shoes for $200 in restricted country 
{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "FAILED",
        "declineReason": "Restricted country",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "BLR",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

​
Declined Transaction by you

The cardholder buys a pair of shoes for $200 and you declined the transaction 
{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Blue Shop",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "FAILED",
        "declineReason": "Declined",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

​
Full reversal

The cardholder buys a pair of shoes for $200, and then returned them to the store 
{
  "type": "authorization",
  "data": {
    "amount": 200,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 200,
    "merchant": "Blue Shop",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 200,
        "currency": "USD",
        "usdAmount": 200,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "REVERSAL",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

​
Partial reversal

The cardholder buys a pair of shoes for $100 and a pair of socks for $20 in a shop and returns the shoes the next day. 
{
  "type": "authorization",
  "data": {
    "amount": 120,
    "currency": "USD",
    "cardId": "66db881b3b34fedf7ba11198",
    "usdAmount": 120,
    "merchant": "Blue Shop",
    "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
    "merchantId": "A1B2C3D456789",
    "merchantCountry": "USA",
    "mcc": "5812"
  }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 100,
        "currency": "USD",
        "usdAmount": 100,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "REVERSAL",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 20,
        "currency": "USD",
        "usdAmount": 20,
        "merchant": "Blue Shop",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "CLEARED",
        "status": "APPROVED",
        "mcc": "5812",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c"
    }
}

​
Direct clearing

A client rides a bus and taps the card to pay the $10 bus fare. Common examples:
  • Commuter Transport or Ferry Fares: Payments made using a card or device for public transport services, such as buses, trains, or ferries, often rely on offline authorization. These transactions are processed in bulk at a later time.
  • In-Flight Transactions: Purchases made during a flight, such as food, beverages, or duty-free items, are processed offline since the aircraft’s payment system may not be connected to the payment network in real time.
{
    "type": "transaction",
    "data": {
        "cardId": "66db881b3b34fedf7ba11198",
        "id": "A1831598354078756866",
        "amount": 10,
        "currency": "USD",
        "usdAmount": 10,
        "merchant": "California Bus",
        "transactionDate": "2024-09-05T15:41:08.966+00:00",
        "type": "AUTHORIZATION",
        "status": "CLEARED",
        "merchantId": "A1B2C3D456789",
        "merchantCountry": "USA",
        "transactionId": "dfe5be96-ad64-47f4-8a06-bf81ae23a21c",
        "forcePost": true,
        "clearingDate": "2024-09-05T15:41:08.966+00:00"
    }
}