Real-time decision request object

When Column receives an authorization request from the card networks, a real-time decision webhook is sent to your system containing the decision request object. This object contains the card transaction and the proposed event that Column is requesting a decision on. Read more about real-time decisioning.

Object Parameters

available_balance

object

The card account's available balance when Column requests the realtime authorization decision. When Column limits the proposed event to available funds, this is the maximum amount the platform may partially approve

amount

number

The amount in the smallest unit of the currency

currency_code

string

The currency code (e.g., USD)

fx_rate

string

The foreign exchange rate (if applicable), serialized as a decimal string

balances

object

Raw balances of the accounts backing the card. Only applicable account groups are included, when Column has loaded a balance snapshot. Amounts are in the smallest unit of each group's currency.

checking

object

Balances of the bank account linked to the card account.

available_amount

number

The bank account's available balance.

currency_code

string

The three-letter ISO 4217 currency code of the bank account and its balances.

holding_amount

number

The bank account's balance held for pending transactions.

locked_amount

number

The bank account's locked balance.

pending_amount

number

The bank account's pending balance.

collateral

object

Balances of the loan's collateral bank account. Included for secured credit accounts.

available_amount

number

The bank account's available balance.

currency_code

string

The three-letter ISO 4217 currency code of the bank account and its balances.

holding_amount

number

The bank account's balance held for pending transactions.

locked_amount

number

The bank account's locked balance.

pending_amount

number

The bank account's pending balance.

credit

object

The underlying loan's balances, before collateral restrictions or other card spend adjustments.

currency_code

string

The three-letter ISO 4217 currency code of the loan and its balances.

max_principal_balance

number

The configured credit limit of the card account's underlying loan.

principal_holding

number

The loan's principal held for pending transactions.

principal_outstanding

number

The loan's outstanding principal balance.

card

object

The card used for the transaction, as it is when Column requests the decision. This is the same object returned by the card endpoints, so it includes the card's status and pin_status See Card object.

card_transaction

object

The card transaction being authorized. For new transactions, this will be a new transaction object. For incremental authorizations or reauthorizations, this will contain the existing card transaction See Card transaction object.

proposed_event

object

The proposed card transaction event that Column is requesting a decision on. This event will be appended to the card transaction if approved See Card transaction event object.