Authorization Activity Report

Last updated: September 24, 2025

The Authorization Activity Report lists all authorization messages within a specified time frame. It provides information about:

The authorization, the related transaction, and their statuses
The card, card verification, and any 3D Secure (3DS) challenge
The conditions at the point of sale (PoS)
Whether the Authorization Relay passed the authorization to you
Any user-defined fields you specified during setup

The report data is refreshed daily at around 10:30 AM and 12:30 AM UTC. It's also available through Secure File Transfer Protocol (SFTP) daily.

See instructions on how to download the report on demand or on a schedule:

The report is provided as a CSV file. The file name uses the following formats by default:

API and SFTP – issuing_authorization_activity_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv
Dashboard scheduled reports – issuing_authorization_activity_{EntityID}_{Start Date: YYYYMMDD}_{End Date:YYYYMMDD}_1.csv

For SFTP, the report is uploaded in the following folder structure: {Entity_name} > reports-{Entity_name} > issuing_authorization_activity

Download a sample report (CSV file).

Information

If using Safari, hold down the Option key when selecting the link to download the file.

The report includes the following fields in this order:

Field name Description

Field name	Description
Scheme string	The card scheme used for the payment. This can be one of: `Mastercard` `Visa`
Message ID string	The authorization message's unique identifier, prefixed with `msg_`.
Transaction ID string	The transaction's unique identifier, which links all related authorization, reversal, and clearing messages. This is prefixed with `trx_`.
Client ID string	Your unique identifier as a Checkout.com client, prefixed with `cli_`.
Entity ID string	The entity's unique identifier, prefixed with `ent_`.
Cardholder ID string	The cardholder's unique identifier, prefixed with `crh_`.
Card ID string	The card's unique identifier, prefixed with `crd_`.
Client Name string	Your Checkout.com client name.
Entity Name string	The entity's name.
Message Type string	The type of authorization message. This can be one of: `authorization_advice` – A transaction to modify an authorization – For example, an adjustment, amount change, or card hold `authorization` – An authorization request `reversal` – A request to undo an authorization before presentment or clearing `reversal_advice` – A message from the acquirer reversing an authorization request
Indicator string	The type of authorization. This can be one of: `deferred_authorization` – When the merchant sends you an authorization to indicate transactions that were mainly done during mass transit, from automated fuel dispensers (AFD), or offline mode `incremental_pre_authorization` – A request to increase the total authorized amount before the payment is captured `final_authorization` – When the final amount is known, unless there is a technical issue between the merchant and the card scheme `full_reversal` – A reversal of the full transaction amount `normal_authorization` – The transaction was fully processed by the merchant at the point of sale `partial_reversal` – A reversal of part of the transaction amount `pre_authorization` – A temporary hold on funds on the card to cover the transaction amount `unknown` – Any other type of authorization
Transaction Type string	The type of transaction. This can be one of: `cash_advance` – A short-term cash loan you give to a cardholder `cashback` – When cash is returned on top of a purchase `balance_inquiry` – When the cardholder checks the balance on the card `payment` – A payment for goods or service `pin_change` – When the cardholder changes their PIN at an ATM `pin_unblock` – When the cardholder unblocks their PIN at an ATM `purchase` – A purchase of goods or services `refund` – A credit to the cardholder's account as a full or partial refund for a purchase `remittance_funding` – When funds are added to a remittance account `remittance_payment` – When the cardholder transfers funds to another party, often internationally `unique transaction` – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques `unknown` – Any other type of transaction `withdrawal` – A cash withdrawal from an ATM
Is Relayed boolean	Indicates whether Authorization Relay passed you the authorization to approve or decline: `false` (default) – The authorization was not relayed. `true` – The authorization was relayed.
Status string	The status of the authorization. This can be one of: `approved` – You approved the authorization. `declined` – You declined the authorization.
Decline Reason string	The decline code you provided when you declined the authorization. If you approved the authorization, this field is empty.
Verification Result Cryptogram string	Indicates whether the card’s identity was successfully verified. This can be one of: `unverified` – The card’s identity was not successfully verified. `verified` – The card’s identity was successfully verified.
Verification Result CVC1 string	Indicates whether the card validation code (CVC1) encoded in the magnetic stripe was successfully verified. This can be one of: `unverified` – The CVC1 was not successfully verified. `verified` – The CVC1 was successfully verified.
Verification Result CVC2 string	Indicates whether the card validation code (CVC2) printed on the card is valid. This can be one of: `invalid` – The CVC2 is not valid. `valid` – The CVC2 is valid.
Verification Result Expiry Date string	Indicates whether the card’s expiry date is still valid. This can be one of: `invalid` – The card has expired. `valid` – The card has not expired.
Verification Result PIN string	The result of verifying the cardholder's personal identification number (PIN). This can be one of: `unverified` – The PIN was not successfully verified. `verified` – The PIN was successfully verified.
Verification Result Service Code string	The result of verifying the three or four-digit number that specifies the card’s acceptance requirements and transaction limitations. This can be one of: `unverified` – The service code was not successfully verified. `verified` – The service code was successfully verified.
Transaction Currency string	The acquirer's local currency or the local currency where the transaction took place. Standard – ISO 4217 code Example – `USD`
Transaction Amount decimal	The amount for the transaction in the major currency unit. Format – Fixed-point notation with up to eight decimal places Example – 500 USD is represented as `500.00`
Billing Currency string	The currency in which you bill the cardholder. Standard – ISO 4217 code Example – `USD`
Billing Amount decimal	The amount to bill the cardholder in the major currency unit. Format – Fixed-point notation with up to eight decimal places Example – 500 USD is represented as `500.00`
3DS Version string	The 3D Secure (3DS) protocol version used for authorization. This can be one of: `1` – 3DS version 1 `2` – 3DS version 2 Empty – 3DS was not used
Authentication Status string	The outcome of the authentication. This can be one of: `authenticated` – The authorization was authenticated successfully. `authentication_attempted` – Either the issuer or cardholder did not participate in the authentication flow. `not_authenticated` – Either the authentication failed or the acquirer did not initiate authentication. `not_applicable` – Authentication was not required for this authorization. `Unknown` – The authentication status is unknown.
Requested Exemption Type string	The type of exemption from 3DS requested for the transaction. This can be one of: `acquirer_transaction_risk_analysis` – The acquirer performed a risk analysis on the transaction. `authentication_outage_exception` – An outage prevented the merchant or acquirer from completing authentication. `low_value_payment` – The transaction amount is less than 30 EUR. `merchant_initiated_transaction` – The merchant initiated the transaction under a previous agreement with the cardholder. `not_applicable` – 3DS is not required for this transaction. `not_requested` – 3DS was not requested for this transaction. `recurring_payment` – This is a recurring payment under a previous agreement with the cardholder. `secure_corporate_payment` – The transaction was initiated by a corporate customer, or from a secure corporate environment. `secure_customer_authentication_delegation` – The transaction carries low fraud risk, is with a trusted merchant, or passed a risk analysis.
SCA Not Required Reason string	The reason why Strong Customer Authentication (SCA) was not required for the transaction. For more information about the following exemption types, see the SCA compliance guide. This can be one of: `acceptance_rate_accelerator_exemption` `acquirer_transaction_risk_analysis` `authentication_outage_exception` `issuer_secure_corporate_payment` `low_value_payment` `merchant_initiated_transaction` `mail_order_telephone_order` `not_applicable` `one_leg_out` – A cross-border payment where only one part of the transaction is regulated under the European Union (EU) payment laws. `recurring_payment` `secure_corporate_payment` `strong_customer_authentication_delegation` `unknown_or_not_supported` `zero_amount_asi`
Has ECB Conversion Rate boolean	Indicates whether currency conversion is required at the European Central Bank (ECB) rate: `false` (default) – Currency conversion is not required. `true` – Currency conversion is required.
ECB Conversion Rate decimal	The ECB currency conversion rate against the euro applied to the payment. Example – For `GBP`:`EUR`, the conversion rate is represented as `0.842293`
Merchant ID string	The merchant's unique identifier. This may vary per acquirer.
Merchant Category Code number	The merchant's merchant category code (MCC) for this payment. Standard – ISO 18245 code Example – `1731` Merchants can have multiple MCCs.
Merchant Name string	The merchant's company name.
Merchant Country Code string	The country where the merchant is registered. Standard – ISO alpha-3 country code Example – `USA`
Merchant State string	For US merchants, the state of the merchant's address. For other merchants, the value is `null`.
Merchant City string	The city where the merchant is registered.
POS Entry Mode string	The way the payment was captured at the point of sale (PoS). This can be one of: `credential_on_file` – The card details were available on file. `contact_chip` – The card chip touched the PoS terminal. `contactless_chip` – The terminal read the card chip via near-field communication (NFC). `contactless_magstripe`– The terminal read the card's magnetic stripe via NFC. `ecommerce` – The card details were entered in a website or app. `magstripe` – The card's magnetic stripe touched the terminal. `manual` - The card details were manually entered into the terminal, or the customer used cash, check, or money order. `optical_character_recognition` – The card details were captured using optical character recognition (OCR). `optical_code` – The merchant's optical scanner or device read a Quick Response (QR) code. `server` – The card details were passed directly from the merchant's server to the payment platform. `other` – Any other way of capturing payment.
Digital Card ID string	The digital card's unique identifier, prefixed with `dcr_`. For physical cards, this field is empty.
Verification Result Digital Card Expiry Date string	The result of verifying the digital card. This can be one of: `unverified` – The digital card was not successfully verified. `verified` – The digital card was successfully verified.
Xpay Device Type string	The type of device used for an Xpay payment. This can be one of: `Smartphone` `Smartwatch` [Check the possible values] If not relevant, this field is empty.
Xpay Wallet Type string	The type of digital wallet used for an Xpay payment. This can be one of: `Apple Pay` `Google Pay` [Check the possible values] If not relevant, this field is empty.
Created On UTC date-time	The date and time when the payment was initiated, in UTC. Standard – ISO 8601 code Example – `yyyy-mm-ddThh:mm:ss.sss`
Transmitted By Scheme On UTC date-time	The date and time when the card scheme transmitted the authorization, in UTC. Standard – ISO 8601 code Example – `yyyy-mm-ddThh:mm:ss.sss`
Card Type string	The type of card. This can be one of: `physical` – A physical card `virtual` – A non-physical card for card-not-present (CNP) transactions only
Card Masked PAN string	The card's masked primary account number (PAN). Example – `1234 56 ** 7890`
Card Issuing Country string	The country where you issued the card. Standard – ISO alpha-3 country code Example – `USA`
Card Display Name string	The display name you provided when creating the card.
Card Reference string	The reference you provided when creating the card.
Card UDF 1 string	A user-defined field (UDF) you specified during setup.
Card UDF 2 string	A UDF you specified during setup.
Card UDF 3 string	A UDF you specified during setup.
Card UDF 4 string	A UDF you specified during setup.
Card UDF 5 string	A UDF you specified during setup.

Scheme

string

The card scheme used for the payment. This can be one of:

Mastercard
Visa

Message ID

string

The authorization message's unique identifier, prefixed with msg_.

Transaction ID

string

The transaction's unique identifier, which links all related authorization, reversal, and clearing messages. This is prefixed with trx_.

Client ID

string

Your unique identifier as a Checkout.com client, prefixed with cli_.

Entity ID

string

The entity's unique identifier, prefixed with ent_.

Cardholder ID

string

The cardholder's unique identifier, prefixed with crh_.

Card ID

string

The card's unique identifier, prefixed with crd_.

Client Name

string

Your Checkout.com client name.

Entity Name

string

The entity's name.

Message Type

string

The type of authorization message. This can be one of:

authorization_advice – A transaction to modify an authorization – For example, an adjustment, amount change, or card hold
authorization – An authorization request
reversal – A request to undo an authorization before presentment or clearing
reversal_advice – A message from the acquirer reversing an authorization request

Indicator

string

The type of authorization. This can be one of:

deferred_authorization – When the merchant sends you an authorization to indicate transactions that were mainly done during mass transit, from automated fuel dispensers (AFD), or offline mode
incremental_pre_authorization – A request to increase the total authorized amount before the payment is captured
final_authorization – When the final amount is known, unless there is a technical issue between the merchant and the card scheme
full_reversal – A reversal of the full transaction amount
normal_authorization – The transaction was fully processed by the merchant at the point of sale
partial_reversal – A reversal of part of the transaction amount
pre_authorization – A temporary hold on funds on the card to cover the transaction amount
unknown – Any other type of authorization

Transaction Type

string

The type of transaction. This can be one of:

cash_advance – A short-term cash loan you give to a cardholder
cashback – When cash is returned on top of a purchase
balance_inquiry – When the cardholder checks the balance on the card
payment – A payment for goods or service
pin_change – When the cardholder changes their PIN at an ATM
pin_unblock – When the cardholder unblocks their PIN at an ATM
purchase – A purchase of goods or services
refund – A credit to the cardholder's account as a full or partial refund for a purchase
remittance_funding – When funds are added to a remittance account
remittance_payment – When the cardholder transfers funds to another party, often internationally
unique transaction – A quasi-cash payment using, for example, gaming tokens, cryptocurrency, travelers' cheques
unknown – Any other type of transaction
withdrawal – A cash withdrawal from an ATM

Is Relayed

boolean

Indicates whether Authorization Relay passed you the authorization to approve or decline:

false (default) – The authorization was not relayed.
true – The authorization was relayed.

Status

string

The status of the authorization. This can be one of:

approved – You approved the authorization.
declined – You declined the authorization.

Decline Reason

string

The decline code you provided when you declined the authorization.

If you approved the authorization, this field is empty.

Verification Result Cryptogram

string

Indicates whether the card’s identity was successfully verified. This can be one of:

unverified – The card’s identity was not successfully verified.
verified – The card’s identity was successfully verified.

Verification Result CVC1

string

Indicates whether the card validation code (CVC1) encoded in the magnetic stripe was successfully verified. This can be one of:

unverified – The CVC1 was not successfully verified.
verified – The CVC1 was successfully verified.

Verification Result CVC2

string

Indicates whether the card validation code (CVC2) printed on the card is valid. This can be one of:

invalid – The CVC2 is not valid.
valid – The CVC2 is valid.

Verification Result Expiry Date

string

Indicates whether the card’s expiry date is still valid. This can be one of:

invalid – The card has expired.
valid – The card has not expired.

Verification Result PIN

string

The result of verifying the cardholder's personal identification number (PIN). This can be one of:

unverified – The PIN was not successfully verified.
verified – The PIN was successfully verified.

Verification Result Service Code

string

The result of verifying the three or four-digit number that specifies the card’s acceptance requirements and transaction limitations. This can be one of:

unverified – The service code was not successfully verified.
verified – The service code was successfully verified.

Transaction Currency

string

The acquirer's local currency or the local currency where the transaction took place.
Standard – ISO 4217 code
Example – USD

Transaction Amount

decimal

The amount for the transaction in the major currency unit.
Format – Fixed-point notation with up to eight decimal places
Example – 500 USD is represented as 500.00

Billing Currency

string

The currency in which you bill the cardholder.
Standard – ISO 4217 code
Example – USD

Billing Amount

decimal

The amount to bill the cardholder in the major currency unit.
Format – Fixed-point notation with up to eight decimal places
Example – 500 USD is represented as 500.00

3DS Version

string

The 3D Secure (3DS) protocol version used for authorization. This can be one of:

1 – 3DS version 1
2 – 3DS version 2
Empty – 3DS was not used

Authentication Status

string

The outcome of the authentication. This can be one of:

authenticated – The authorization was authenticated successfully.
authentication_attempted – Either the issuer or cardholder did not participate in the authentication flow.
not_authenticated – Either the authentication failed or the acquirer did not initiate authentication.
not_applicable – Authentication was not required for this authorization.
Unknown – The authentication status is unknown.

Requested Exemption Type

string

The type of exemption from 3DS requested for the transaction. This can be one of:

acquirer_transaction_risk_analysis – The acquirer performed a risk analysis on the transaction.
authentication_outage_exception – An outage prevented the merchant or acquirer from completing authentication.
low_value_payment – The transaction amount is less than 30 EUR.
merchant_initiated_transaction – The merchant initiated the transaction under a previous agreement with the cardholder.
not_applicable – 3DS is not required for this transaction.
not_requested – 3DS was not requested for this transaction.
recurring_payment – This is a recurring payment under a previous agreement with the cardholder.
secure_corporate_payment – The transaction was initiated by a corporate customer, or from a secure corporate environment.
secure_customer_authentication_delegation – The transaction carries low fraud risk, is with a trusted merchant, or passed a risk analysis.

SCA Not Required Reason

string

The reason why Strong Customer Authentication (SCA) was not required for the transaction. For more information about the following exemption types, see the SCA compliance guide. This can be one of:

acceptance_rate_accelerator_exemption
acquirer_transaction_risk_analysis
authentication_outage_exception
issuer_secure_corporate_payment
low_value_payment
merchant_initiated_transaction
mail_order_telephone_order
not_applicable
one_leg_out – A cross-border payment where only one part of the transaction is regulated under the European Union (EU) payment laws.
recurring_payment
secure_corporate_payment
strong_customer_authentication_delegation
unknown_or_not_supported
zero_amount_asi

Has ECB Conversion Rate

boolean

Indicates whether currency conversion is required at the European Central Bank (ECB) rate:

false (default) – Currency conversion is not required.
true – Currency conversion is required.

ECB Conversion Rate

decimal

The ECB currency conversion rate against the euro applied to the payment.
Example – For GBP:EUR, the conversion rate is represented as 0.842293

Merchant ID

string

The merchant's unique identifier.

This may vary per acquirer.

Merchant Category Code

number

The merchant's merchant category code (MCC) for this payment.
Standard – ISO 18245 code
Example – 1731

Merchants can have multiple MCCs.

Merchant Name

string

The merchant's company name.

Merchant Country Code

string

The country where the merchant is registered.
Standard – ISO alpha-3 country code
Example – USA

Merchant State

string

For US merchants, the state of the merchant's address.

For other merchants, the value is null.

Merchant City

string

The city where the merchant is registered.

POS Entry Mode

string

The way the payment was captured at the point of sale (PoS). This can be one of:

credential_on_file – The card details were available on file.
contact_chip – The card chip touched the PoS terminal.
contactless_chip – The terminal read the card chip via near-field communication (NFC).
contactless_magstripe– The terminal read the card's magnetic stripe via NFC.
ecommerce – The card details were entered in a website or app.
magstripe – The card's magnetic stripe touched the terminal.
manual - The card details were manually entered into the terminal, or the customer used cash, check, or money order.
optical_character_recognition – The card details were captured using optical character recognition (OCR).
optical_code – The merchant's optical scanner or device read a Quick Response (QR) code.
server – The card details were passed directly from the merchant's server to the payment platform.
other – Any other way of capturing payment.

Digital Card ID

string

The digital card's unique identifier, prefixed with dcr_.

For physical cards, this field is empty.

Verification Result Digital Card Expiry Date

string

The result of verifying the digital card. This can be one of:

unverified – The digital card was not successfully verified.
verified – The digital card was successfully verified.

Xpay Device Type

string

The type of device used for an Xpay payment. This can be one of:

Smartphone
Smartwatch [Check the possible values]

If not relevant, this field is empty.

Xpay Wallet Type

string

The type of digital wallet used for an Xpay payment. This can be one of:

Apple Pay
Google Pay [Check the possible values]

If not relevant, this field is empty.

Created On UTC

date-time

The date and time when the payment was initiated, in UTC.
Standard – ISO 8601 code
Example – yyyy-mm-ddThh:mm:ss.sss

Transmitted By Scheme On UTC

date-time

The date and time when the card scheme transmitted the authorization, in UTC.
Standard – ISO 8601 code
Example – yyyy-mm-ddThh:mm:ss.sss

Card Type

string

The type of card. This can be one of:

physical – A physical card
virtual – A non-physical card for card-not-present (CNP) transactions only

Card Masked PAN

string

The card's masked primary account number (PAN).
Example – 1234 56** **** 7890

Card Issuing Country

string

The country where you issued the card.
Standard – ISO alpha-3 country code
Example – USA

Card Display Name

string

The display name you provided when creating the card.

Card Reference

string

The reference you provided when creating the card.

Card UDF 1

string

A user-defined field (UDF) you specified during setup.

Card UDF 2

string

A UDF you specified during setup.

Card UDF 3

string

A UDF you specified during setup.

Card UDF 4

string

A UDF you specified during setup.

Card UDF 5

string

A UDF you specified during setup.

Authorization Activity Report

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