Presentment received

Last updated: March 4, 2026

This Issuing event occurs when:

Checkout.com receives a presentment from the acquirer that matches an existing authorization, pre-authorization, or incremental authorization.
The merchant or acquirer forced the transaction through clearing with no previous authorization, which you can create a dispute for if needed.


1{
2  "id": "evt_az5sblvku4ge3dwpztvyizgcau",
3  "type": "presentment_received",
4  "version": "2.0.0",
5  "created_on": "2024-04-10T08:13:14Z",
6  "data": {
7    "id": "msg_abcd5fg6hievapshljklmnop4",
8    "card": {
9      "id": "crd_fa6psq242dcd6fdn5gifcq1491",
10      "scheme" : "mastercard",
11      "metadata": {
12        "reference": "X-123456-N11",
13        "udf1": "metadata1",
14        "udf2": "metadata2",
15        "udf3": "metadata3",
16        "udf4": "metadata4",
17        "udf5": "metadata5"
18      }
19    },
20    "cardholder":{
21      "id": "crh_urdihafyo75evcr55s62jmwwhy"
22    },
23    "entity":{
24      "id": "ent_urdihafyo75evcr55s62jmwwhy"
25    },
26    "client":{
27      "id": "cli_urdihafyo75evcr55s62jmwwhy"
28    },
29    "initiator": "acquirer",
30    "transaction_id": "trx_y3oqhf46pyzuxjbcn2giaqnb44",
31    "transmission_date_time": "2024-04-10T08:12:14Z",
32    "clearing_type": "debit",
33    "transaction_amount": 900,
34    "transaction_currency": "EUR",
35    "billing_amount": 900,
36    "billing_currency": "EUR",
37    "billing_conversion_rate": 0.925643,
38    "reconciliation_amount": 900,
39    "reconciliation_currency": "EUR",
40    "reconciliation_conversion_rate": 0.925643,
41    "ecb_conversion_rate": 0.9,
42    "digital_card_information": {
43      "digital_card_id": "dcr_fa6psq242dcd6fdn5gifcq1491",
44      "device_type": "phone",
45      "wallet_type": "ApplePay"
46    },
47    "local_transaction_date_time": "2024-04-10T04:12:14",
48    "original_transaction_type": "purchase",
49    "is_forced_posted": false,
50    "settlement_date": "2024-04-11",
51    "transit_information": {
52        "transaction_type": "authorized_aggregated_split_clearing",
53        "transportation_mode": "urban_bus"
54    },
55    "pos": {
56      "card_present": "present",
57      "cardholder_present": "not_present",
58      "entry_mode": "ecommerce"
59    }
60  }
61}

Field name Description

Field name	Description
`id` string	The transaction message's unique identifier, prefixed with `msg_`.
`card` object	The card details. See the Card object.
`cardholder` object	The cardholder's details. See the Cardholder object.
`entity` object	The entity's details. See the Entity object.
`client` object	Your details as a Checkout.com client. See the Client object.
`initiator` string optional	The party who initiated the message. This value is always `acquirer`.
`transaction_id` string	The transaction's unique identifier, which links together all related authorization, reversal, and clearing messages. This is prefixed with `trx_`.
`transmission_date_time` datetime	The date and time when the transaction message entered the scheme network, in UTC. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`local_transaction_date_time` string optional	The local date and time when the transaction was initiated. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`clearing_type` string	The type of clearing. This can be one of: `credit` `debit`
`transaction_amount` uint64	The transaction amount, in the minor currency unit.
`transaction_currency` string	The transaction currency. Standard – ISO 4217 code Example – `USD`
`billing_amount` uint64	The amount you bill the cardholder for, in the minor currency unit. If currency conversion is required, this is based on Mastercard rates.
`billing_currency` string	The currency in which the issuer will bill the cardholder. Standard – ISO 4217 code Example – `USD`
`billing_conversion_rate` double	The scheme conversion rate used to convert the transaction amount to the billing amount.
`reconciliation_amount` uint64	The amount you settled with the card scheme 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`
`reconciliation_currency` string	The fee's reconciliation currency. Standard – ISO 4217 code Example – `USD`
`reconciliation_conversion_rate` double	The scheme conversion rate used to convert the transaction amount to the reconciliation amount.
`ecb_conversion_rate` double optional	The European Central Bank (ECB) comparative rate that will be communicated to the cardholder for a currency conversion when the `transaction_currency` and `billing_currency` are different.
`digital_card_information` object optional	The digital card's details. See the Digital card information object.
`local_transaction_time` string	The local date and time when the transaction was initiated. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`original_transaction_type` string	The type of the original transaction. This can be one of: `balance_inquiry` `cashback` `cash_advance` `convenience_check` `fee_collection_credit_to_transaction_originator` `fee_collection_debit_to_transaction_originator` `payment` `payment_or_balance_transfer` `pin_change` `pin_unblock` `purchase` `refund` `remittance_funding` `remittance_payment` `unique_transaction` `withdrawal`
`is_forced_posted` boolean	Indicates whether the merchant or acquirer forced the transaction through clearing with no previous authorization. You can use this field to identify forced presentments. If you want to contest the transaction, create a dispute within the specified time frame. For more information, see Manage Issuing disputes.
`settlement_date` string	The date when the scheme expects the funds transfer to take place. Format – `yyyy-mm-dd`
`transit_information` object optional	The transit transaction details. See the Transit information object.
`pos` object	The conditions at the point of sale (PoS) at the time of the transaction. See the POS object.

id

string

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

card

object

The card details.
See the Card object.

cardholder

object

The cardholder's details. See the Cardholder object.

entity

object

The entity's details. See the Entity object.

client

object

Your details as a Checkout.com client. See the Client object.

initiator

string

optional

The party who initiated the message.
This value is always acquirer.

transaction_id

string

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

transmission_date_time

datetime

The date and time when the transaction message entered the scheme network, in UTC.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

local_transaction_date_time

string

optional

The local date and time when the transaction was initiated.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

clearing_type

string

The type of clearing. This can be one of:

credit
debit

transaction_amount

uint64

The transaction amount, in the minor currency unit.

transaction_currency

string

The transaction currency.
Standard – ISO 4217 code
Example – USD

billing_amount

uint64

The amount you bill the cardholder for, in the minor currency unit.

If currency conversion is required, this is based on Mastercard rates.

billing_currency

string

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

billing_conversion_rate

double

The scheme conversion rate used to convert the transaction amount to the billing amount.

reconciliation_amount

uint64

The amount you settled with the card scheme 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

reconciliation_currency

string

The fee's reconciliation currency.
Standard – ISO 4217 code
Example – USD

reconciliation_conversion_rate

double

The scheme conversion rate used to convert the transaction amount to the reconciliation amount.

ecb_conversion_rate

double

optional

The European Central Bank (ECB) comparative rate that will be communicated to the cardholder for a currency conversion when the transaction_currency and billing_currency are different.

digital_card_information

object

optional

The digital card's details.
See the Digital card information object.

local_transaction_time

string

The local date and time when the transaction was initiated.
Standard – ISO 8601 code
Format – yyyy-mm-ddThh:mm:ss.sss

original_transaction_type

string

The type of the original transaction. This can be one of:

balance_inquiry
cashback
cash_advance
convenience_check
fee_collection_credit_to_transaction_originator
fee_collection_debit_to_transaction_originator
payment
payment_or_balance_transfer
pin_change
pin_unblock
purchase
refund
remittance_funding
remittance_payment
unique_transaction
withdrawal

is_forced_posted

boolean

Indicates whether the merchant or acquirer forced the transaction through clearing with no previous authorization.

You can use this field to identify forced presentments. If you want to contest the transaction, create a dispute within the specified time frame. For more information, see Manage Issuing disputes.

settlement_date

string

The date when the scheme expects the funds transfer to take place.
Format – yyyy-mm-dd

transit_information

object

optional

The transit transaction details.
See the Transit information object.

pos

object

The conditions at the point of sale (PoS) at the time of the transaction.
See the POS object.

Field name Description

Field name	Description
`id` string	The card's unique identifier, prefixed with `crd`.
`scheme` string	The card scheme that processed the payment. This can be one of: `mastercard` `visa`
`metadata` object optional	Your user-defined metadata details. See the request body of the Create a card endpoint.

id

string

The card's unique identifier, prefixed with crd.

scheme

string

The card scheme that processed the payment.
This can be one of:

mastercard
visa

metadata

object

optional

Your user-defined metadata details.
See the request body of the Create a card endpoint.

Field name Description

Field name	Description
`id` string	The cardholder's unique identifier, prefixed with `crh_`.

id

string

The cardholder's unique identifier, prefixed with crh_.

Field name Description

Field name	Description
`id` string	The entity's unique identifier, prefixed with `ent_`.

id

string

The entity's unique identifier, prefixed with ent_.

Field name Description

Field name	Description
`id` string	Your unique identifier as a Checkout.com client, prefixed with `cli_`.

id

string

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

Field name Description

Field name	Description
`digital_card_id` string	The digital card's unique identifier, prefixed with `dcr_`.
`device_type` string	The type of device used for the transaction. This can be one of: `card` `device_peripheral` `domestic_appliance` `fashion_accessory` `garment` `jewelry` `key_fob` `media_or_gaming_device` `mobile_phone_case_or_sleeve` `mobile_phone_network_operator_controlled_fixed_secure_element` `mobile_phone_network_operator_controlled_removable_secure_element` `mobile_phone_not_network_operator_controlled_fixed_secure_element` `mobile_phone_not_network_operator_controlled_removable_secure_element` `mobile_phone_payment_application_host_processor` `mobile_phone_payment_application_tee_host_processor` `mobile_tag` `pc` `phone` `removable_secure_element_not_network_operator_controlled` `sticker` `tablet_or_e_reader` `tablet_or_e_book_network_operator_controlled_fixed_secure_element` `tablet_or_e_book_not_network_operator_controlled_fixed_secure_element` `tablet_or_e_reader_network_operator_controlled_removable_secure_element` `tablet_or_e_reader_payment_application_host_processor` `tablet_or_e_reader_payment_application_tee_host_processor` `tag` `vehicle` `watch_payment_application_host_processor` `watch_payment_application_tee_host_processor` `watch_contactless_chip_or_not_network_operator_controlled_secure_element` `watch_or_wristband` `wristband`
`wallet_type` string optional	The type of wallet. This can be one of: `apple_pay` `google_pay` `samsung_pay` `merchant_tokenization_program`

digital_card_id

string

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

device_type

string

The type of device used for the transaction. This can be one of:

card
device_peripheral
domestic_appliance
fashion_accessory
garment
jewelry
key_fob
media_or_gaming_device
mobile_phone_case_or_sleeve
mobile_phone_network_operator_controlled_fixed_secure_element
mobile_phone_network_operator_controlled_removable_secure_element
mobile_phone_not_network_operator_controlled_fixed_secure_element
mobile_phone_not_network_operator_controlled_removable_secure_element
mobile_phone_payment_application_host_processor
mobile_phone_payment_application_tee_host_processor
mobile_tag
pc
phone
removable_secure_element_not_network_operator_controlled
sticker
tablet_or_e_reader
tablet_or_e_book_network_operator_controlled_fixed_secure_element
tablet_or_e_book_not_network_operator_controlled_fixed_secure_element
tablet_or_e_reader_network_operator_controlled_removable_secure_element
tablet_or_e_reader_payment_application_host_processor
tablet_or_e_reader_payment_application_tee_host_processor
tag
vehicle
watch_payment_application_host_processor
watch_payment_application_tee_host_processor
watch_contactless_chip_or_not_network_operator_controlled_secure_element
watch_or_wristband
wristband

wallet_type

string

optional

The type of wallet. This can be one of:

apple_pay
google_pay
samsung_pay
merchant_tokenization_program

Field name Description

Field name	Description
`transaction_type` string	The authorization model used by the transit operator. This can be one of: `authorized_aggregated_split_clearing` `debt_recovery` `other` `post_authorized_aggregated` `post_authorized_aggregated_maestro` `prefunded` `real_time_authorized`
`transportation_method` string	The transport method used to travel. This can be one of: `cable_car` `coach` `commuter_train` `express_commuter_train` `funicular_train` `high_speed_train` `inter_city` `interurban_bus` `light_train_mass_transit` `locomotive` `other` `para_transit` `parking` `powered_motor_vehicle` `regional_train` `rural_bus` `self_drive_vehicle` `taxi` `toll` `trailer` `train` `urban_bus` `water_borne_vehicle`

transaction_type

string

The authorization model used by the transit operator. This can be one of:

authorized_aggregated_split_clearing
debt_recovery
other
post_authorized_aggregated
post_authorized_aggregated_maestro
prefunded
real_time_authorized

transportation_method

string

The transport method used to travel. This can be one of:

cable_car
coach
commuter_train
express_commuter_train
funicular_train
high_speed_train
inter_city
interurban_bus
light_train_mass_transit
locomotive
other
para_transit
parking
powered_motor_vehicle
regional_train
rural_bus
self_drive_vehicle
taxi
toll
trailer
train
urban_bus
water_borne_vehicle

Field name Description

Field name	Description
`card_present` string	Indicates if the card was present to initiate the transaction. This can be one of: `present` `not_present` `unspecified`
`cardholder_present` string	Indicates if the cardholder was present to initiate the transaction. This can be one of: `present` `not_present` `unspecified`
`entry_mode` string	The way the card initiated the transaction at the terminal. This can be one of: `contact_chip` `contactless_chip` `contactless_magstripe` `credential_on_file` `ecommerce` `magstripe` `manual` `server` `other`

card_present

string

Indicates if the card was present to initiate the transaction. This can be one of:

present
not_present
unspecified

cardholder_present

string

Indicates if the cardholder was present to initiate the transaction. This can be one of:

present
not_present
unspecified

entry_mode

string

The way the card initiated the transaction at the terminal. This can be one of:

contact_chip
contactless_chip
contactless_magstripe
credential_on_file
ecommerce
magstripe
manual
server
other

Presentment received

Example webhook

Webhook fields

Card object

Cardholder object

Entity object

Client object

Digital card information object

Transit information object

POS object