Card txn scenarios
Scenario 1: Authorization with Settlement — Cardholder adds a tip to a bill at a restaurant. One authorization with one settlement
Scenario 2: Preauthorization with Completion — Cardholder pumps gas. One preauthorization and one completion
Scenario 3: Incremental Authorizations — Multiple authorizations and one settlement
Scenario 4: Reversal on Authorization Before Clearing (Mastercard) — Mobile wallet purchase with full reversal. Authorization and its reversal before clearing
Scenario 5: Reversal on Preauthorization Before Clearing (Visa) — Attempted gas purchase with full reversal. Preauthorization and its reversal before clearing
Scenario 6: Refund After Clearing (Visa) — Home improvement store purchase with partial refund. Authorization and its refund after clearing
Scenario 7: Refund After Clearing (Mastercard Banknet) — Cash-app transfer with full refund. Authorization and settlement with merchant credit
Scenario 8: Partial Reversal on Authorization — Ride-share service. Authorization and partial reversal
Scenario 9: Merchant Credit (Mastercard Banknet) — Return of a gift. Merchant credit
Scenario 10: Merchant Credit (Visa) — Home improvement store purchase with merchant credit. Preauthorization over Mastercard Banknet with merchant credit over Visa Interlink
Scenario 11: ATM Withdrawal — Balance inquiry plus withdrawal plus program fee
Scenario 12: ATM Reversal — Reversal of a duplicate authorization
Scenario 13: International Authorization — Retail purchase in Brazil. Authorization plus settlement
Scenario 14: International Reversal — Retail purchase in Spain. Authorization plus partial reversal
Scenario 15: Tokenization Authorization — Cardholder installs a meal-delivery app and the app validates the card in the cardholder's mobile wallet
Scenario 16: Settlement Without Authorization — The merchant does not clear a transaction until after it has expired in the Galileo system
Scenario 17: Card Load (Maestro) — Drive-share worker receiving payment as a Maestro load
Scenario 18: Real-Time Funding — A cardholder with a corporate spend card makes a purchase, and the funds are transferred real-time into the account before authorization
Scenario 19: Force Post — A merchant does not obtain authorization for a purchase and then force-posts the transaction.
Scenario 20: Card Load Reversal (Maestro) — A cardholder receives payment from employer but the funds are reversed.
Scenario 21: Card Load (Visa) — A cardholder receives a payment from a payday loan app.
Scenario 22: Card Load Reversal (Visa) — A cardholder receives payment from a peer-to-peer cash app, but the funds are soon reversed.
Scenario 23: Account Funding Transaction — A cardholder pulls funds into their credit-builder account on another platform.
Scenario 24: Recurring Transaction — A cardholder has a monthly subscription to a streaming video service, paid through a mobile wallet.
Scenario 25: ATM Card Load (Allpoint) — A cardholder feeds cash into an Allpoint ATM to load onto a card.
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