Simulate card authorization

Unique identifier for the card.

Transaction amount in the merchant's currency, expressed in the smallest currency unit. For example, 1000 represents 10.00 EUR. When merchant_currency is not USD, this amount is multiplied by cardholder_fx_rate to derive the USD billing amount. Must not exceed 999999999999.

Foreign exchange rate to convert from merchant currency to USD (cardholder billing currency), as a decimal string. Required when merchant_currency is not USD. For example, if merchant_currency is EUR and cardholder_fx_rate is "1.10", a 10.00 EUR transaction will result in an 11.00 USD cardholder charge.

Optional merchant category code (ISO 18245 MCC) to put on the simulated message (Field 18), for example 5812 (restaurants) or 6011 (ATM). Defaults to 5999. Use it to exercise real-time decisioning rules that depend on the merchant category.

Optional card acceptor city to put on the simulated message (Field 43, positions 26-38). Defaults to CITY NAME. At most 13 characters.

Optional card acceptor country, ISO 3166-1 alpha-2, to put on the simulated message (Field 43, positions 39-40). Defaults to US. Use it to exercise country-based decisioning rules.

Merchant's currency code in ISO 4217 format.

Optional card acceptor name to put on the simulated message (Field 43, positions 1-25). Defaults to ACQUIRER NAME. At most 25 characters.

The reason for the network's decline decision. Only applicable when network_standin is declined. Determines the network response code on the transaction. Defaults to generic_decline if not specified.

Simulates a scenario where the card network makes the authorization decision on behalf of the issuer (e.g., due to issuer timeout). When set, the resulting transaction will have decision_source set to card_network.

• approved — the network approves the transaction.
• declined — the network declines the transaction.

Specifies the issuer's real-time authorization decision to inject if the transaction reaches the real-time decisioning step. Mutually exclusive with network_standin.

• approve — the issuer approves the transaction.
• decline — the issuer declines the transaction (see realtime_decision_reason).
• partially_approve — the issuer partially approves the transaction

(requires realtime_partially_approved_amount).

When neither realtime_decision nor network_standin is provided, the simulator attempts a real real-time authorization decision webhook to the platform's configured decision.issuing.card_transaction destination (declining if no destination is configured).

The reason for the issuer's real-time decline decision. Only applicable when realtime_decision is decline. Defaults to generic_decline if not specified.

The bank account to just-in-time fund the authorization from, as a platform's real-time authorization decision would name in funding_account_id. Only applicable when realtime_decision is approve or partially_approve, and only on debit card programs with jit_funding_enabled.

The amount to partially approve, expressed in the smallest currency unit. Required when realtime_decision is partially_approve, and must be less than the requested cardholder_amount.

Optional 3DS attempt ID to link to this authorization. The 3DS attempt must be in authenticated status and belong to the same card. When provided, the authorization will include authentication details with liability shift.