Authorization advice received

Last updated: September 24, 2025

This Issuing event occurs when the card scheme responds to an authorization request on our behalf because Checkout.com is not reachable, or when a transaction is performed at a gas station or ATM.

If the notification is for:

An automated fuel dispenser (AFD) transaction – Debit the cardholder's balance accordingly.
A decline – No further action is required.


1{
2  "id": "evt_az5sblvku4ge3dwpztvyizgcau",
3  "type": "authorization_advice_received",
4  "version": "2.0.0",
5  "created_on": "2018-04-10T08:13:14Z",
6  "data": {
7    "id": "msg_abcd5fg6hievapshljklmnop4",
8    "card": {
9      "id": "crd_fa6psq242dcd6fdn5gifcq1491",
10      "scheme" : "mastercard"
11    },
12    "cardholder":{
13      "id": "crh_urdihafyo75evcr55s62jmwwhy"
14    },
15    "entity":{
16      "id": "ent_urdihafyo75evcr55s62jmwwhy"
17    },
18    "client":{
19      "id": "cli_urdihafyo75evcr55s62jmwwhy"
20    },
21    "transaction_id": "trx_y3oqhf46pyzuxjbcn2giaqnb44",
22    "transaction_type": "purchase",
23    "transmission_date_time": "2018-04-10T08:12:14Z",
24    "local_transaction_date_time": "2018-04-10T08:12:14",
25    "transaction_amount": 1000,
26    "transaction_currency": "GBP",
27    "billing_amount": 900,
28    "billing_currency": "EUR",
29    "billing_conversion_rate": 0.925643,
30    "scheme_response_summary": "do_not_honour",
31    "digital_card_information": {             
32      "digital_card_id": "dcr_fa6psq242dcd6fdn5gifcq1491",
33      "device_type": "phone",                 
34      "wallet_type": "apple_pay"              
35    },
36    "merchant": {
37      "merchant_id": "59889",
38      "name" : "Carrefour",
39      "city": "Paris",
40      "state": "",                            
41      "country": "FRA",                   
42      "category_code": "5021",
43      "street_address": "Wenlock Works, Shepherdess Walk"
44    },
45    "advice_reason": "banknet_system_not_available",
46    "advice_initiator": "scheme",
47    "transit_information": {
48        "transaction_type": "authorized_aggregated_split_clearing",
49        "transportation_mode": "urban_bus"
50    },
51    "point_of_sale_transaction_date" : "2023-04-25",
52    "pos": {
53      "country_code": "GBR",
54      "postal_code": "SE100ER",
55      "card_present": "present",
56      "cardholder_present": "not_present",
57      "entry_mode": "ecommerce"
58    }
59  }
60}

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 details. See the Entity object.
`client` object	Your details as a Checkout.com client. See the Client object.
`transaction_id` string	The transaction's unique identifier, prefixed with `trx_`.
`transaction_type` string	The type of transaction. This can be one of: `balance_inquiry` `bill_payment` `cashback` `pin_change` `pin_unblock` `purchase` `purchase_account_inquiry` `refund` `remittance_funding` `withdrawal`
`transmission_date_time` string	The date and time when the message was received from the scheme, in UTC. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`local_transaction_date_time` string optional	The local date and time indicating when the transaction was initiated. Standard – ISO 8601 code Format – `yyyy-mm-ddThh:mm:ss.sss`
`transaction_amount` uint64	The authorization's transaction amount, in minor currency units.
`transaction_currency` string	The acquirer’s local currency, or the local currency of the transaction’s source location. Standard – ISO 4217 code Example – `USD`
`billing_amount` uint64	The clearing's billing amount, in minor currency units. If currency conversion is required, this is based on Mastercard rates.
`billing_currency` string	The currency in which you 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.
`digital_card_information` object optional	The digital card's details. See the Digital card information object.
`merchant` object	The merchant's details. See the Merchant object.
`scheme_response_summary` string	The response decision received from the scheme's network. This can be one of: `invalid_card_number` `system_malfunction` `do_not_honour` `invalid_pin` `security_violation` `approved` `restricted_card` `format_error` `security`
`advice_reason` string	The general purpose of the advice message. This can be one of: `acquirer_decision` `issuer_operational_problem` `processing_problem` `regulatory_or_rule_or_service_decision` `risk_and_fraud_management` `transaction_data_validation`
`advice_initiator` string	The party that initiated the advice. This can be one of: `acquirer` `issuer` `scheme`
`transit_information` object optional	The transit transaction details. See the Transit information object.
`point_of_sale_transaction_date` string optional	The date of the transaction at the point of sale. Format – `yyyy-mm-dd`
`pos` object optional	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 details. See the Entity object.

client

object

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

transaction_id

string

The transaction's unique identifier, prefixed with trx_.

transaction_type

string

The type of transaction. This can be one of:

balance_inquiry
bill_payment
cashback
pin_change
pin_unblock
purchase
purchase_account_inquiry
refund
remittance_funding
withdrawal

transmission_date_time

string

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

local_transaction_date_time

string

optional

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

transaction_amount

uint64

The authorization's transaction amount, in minor currency units.

transaction_currency

string

The acquirer’s local currency, or the local currency of the transaction’s source location.
Standard – ISO 4217 code
Example – USD

billing_amount

uint64

The clearing's billing amount, in minor currency units. If currency conversion is required, this is based on Mastercard rates.

billing_currency

string

The currency in which you 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.

digital_card_information

object

optional

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

merchant

object

The merchant's details. See the Merchant object.

scheme_response_summary

string

The response decision received from the scheme's network. This can be one of:

invalid_card_number
system_malfunction
do_not_honour
invalid_pin
security_violation
approved
restricted_card
format_error
security

advice_reason

string

The general purpose of the advice message. This can be one of:

acquirer_decision
issuer_operational_problem
processing_problem
regulatory_or_rule_or_service_decision
risk_and_fraud_management
transaction_data_validation

advice_initiator

string

The party that initiated the advice. This can be one of:

acquirer
issuer
scheme

transit_information

object

optional

The transit transaction details.
See the Transit information object.

point_of_sale_transaction_date

string

optional

The date of the transaction at the point of sale.
Format – yyyy-mm-dd

pos

object

optional

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`

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

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_book_network_operator_controlled_fixed_secure_element` `tablet_or_e_book_not_network_operator_controlled_fixed_secure_element` `tablet_or_e_reader` `tablet_or_e_reader_payment_application_host_processor` `tablet_or_e_reader_payment_application_tee_host_processor` `tablet_or_e_reader_network_operator_controlled_removable_secure_element` `tag` `vehicle` `watch_contactless_chip_or_not_network_operator_controlled_secure_element` `watch_or_wristband` `watch_payment_application_host_processor` `watch_payment_application_tee_host_processor` `wristband`
`wallet_type` string optional	The type of wallet. This can be one of: `apple_pay` `google_pay` `merchant` `samsung_pay`

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_book_network_operator_controlled_fixed_secure_element
tablet_or_e_book_not_network_operator_controlled_fixed_secure_element
tablet_or_e_reader
tablet_or_e_reader_payment_application_host_processor
tablet_or_e_reader_payment_application_tee_host_processor
tablet_or_e_reader_network_operator_controlled_removable_secure_element
tag
vehicle
watch_contactless_chip_or_not_network_operator_controlled_secure_element
watch_or_wristband
watch_payment_application_host_processor
watch_payment_application_tee_host_processor
wristband

wallet_type

string

optional

The type of wallet. This can be one of:

apple_pay
google_pay
merchant
samsung_pay

Field name	Description
`merchant_id` string	The merchant's unique identifier. This may vary from one acquirer to another.
`name` string	The merchant's name.
`city` string	The city of the merchant's address.
`state` string optional	For US merchants, the state of the merchant's address. For other merchants, the value is `null`.
`country` string	The country of the merchant's address. Standard – ISO alpha-3 country code Example – `USA`
`category_code` string	The four-digit merchant category code (MCC) for this transaction. Merchants can have multiple category codes.
`street_address` string	The street of the merchant's address.

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
`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
`country_code` string	The country where the point of sale is located. Standard – ISO alpha-3 country code Example – `USA`
`postal_code` string	The ZIP or postal code where the point of sale is located.
`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 method by which the card initiated the transaction at a terminal. This can be one of: `contact_chip` `contactless_chip` `contactless_magstripe` `credential_on_file` `ecommerce` `magstripe` `manual` `optical_character_recognition` `optical_code` `server` `other`

country_code

string

The country where the point of sale is located.
Standard – ISO alpha-3 country code
Example – USA

postal_code

string

The ZIP or postal code where the point of sale is located.

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 method by which the card initiated the transaction at a terminal. This can be one of:

contact_chip
contactless_chip
contactless_magstripe
credential_on_file
ecommerce
magstripe
manual
optical_character_recognition
optical_code
server
other

Authorization advice received

Example webhook

Webhook fields

Card object

Digital card information object

Merchant object

Transit information object

Cardholder object

Entity object

Client object

POS object