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.