# 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](/card-issuing/card-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 - `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](/api/card-transaction/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](/api/card-transaction/card-transaction-event-object). **Response 200** ```json { "available_balance": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "card_transaction": { "authentication_details": { "liability_shifted": false, "three_ds_attempt_id": "tdsa_2x8gszy5folpA9s0TOCseE9ABDM" }, "authorization_expires_at": "2024-01-15T09:30:00Z", "card_acceptor_details": { "acquiring_institution_country_code": "US", "acquiring_institution_identifier": "021000089", "city": "San Francisco", "country_code": "US", "forwarding_institution_identifier": "021000089", "identifier": "ID-2024-001", "merchant_category_code": "5411", "name": "Yellen Cocktails, LLC", "terminal_identifier": "TERM001" }, "card_account_id": "cacc_2x8gszy5folpA9s0TOCseE9ABDM", "card_id": "card_2x8gszy5folpA9s0TOCseE9ABDM", "card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM", "card_token_id": "ctkn_2x8gszy5folpA9s0TOCseE9ABDM", "cardholder_verification_details": { "email": "oliver@example.com", "email_verification_status": "verified", "first_name": "Oliver", "first_name_verification_status": "verified", "last_name": "Hockey", "last_name_verification_status": "verified", "middle_name": "Smith", "middle_name_verification_status": "verified", "phone_number": "+15555555555", "phone_number_verification_status": "verified", "postal_code": "94105", "postal_code_verification_status": "verified", "street_address": "101 Market St", "street_address_verification_status": "verified" }, "created_at": "2024-01-15T09:30:00Z", "events": [ { "amounts": { "cardholder_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "cardholder_requested": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "cardholder_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_requested": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" } }, "authentication_attempt_id": "caat_2x8gszy5folpA9s0TOCseE9ABDM", "authorization_expires_at": "2024-01-15T09:30:00Z", "card_account_id": "cacc_2x8gszy5folpA9s0TOCseE9ABDM", "card_id": "card_2x8gszy5folpA9s0TOCseE9ABDM", "card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM", "card_token_id": "ctkn_2x8gszy5folpA9s0TOCseE9ABDM", "created_at": "2024-01-15T09:30:00Z", "decisioning_details": { "auth_code": "A12345", "card_authorization_policy_decision": "passed", "card_authorization_policy_decision_reason": null, "card_authorization_policy_evaluations": [ { "card_authorization_policy_id": "caup_2x8gszy5folpA9s0TOCseE9ABDM", "card_authorization_policy_version_id": "cauv_2x8gszy5folpA9s0TOCseE9ABDM", "decision": "passed", "decision_reason": null, "owner": "column", "scope": "card_program" } ], "decision": "undecided", "decision_reason": "approved", "decision_source": "card_network", "realtime_authorization_amount": 10000, "realtime_authorization_decision": "approve", "realtime_authorization_decision_reason": null }, "event_type": "financial", "id": "ctxe_2x8gszy5folpA9s0TOCseE9ABDM" } ], "fee_details": { "transaction_fee_amount": 10000, "transaction_fee_currency": "USD" }, "id": "ctxn_2x8gszy5folpA9s0TOCseE9ABDM", "network_details": { "network_fraud_score": 12, "network_identifier": "visa", "original_transaction_identifier": "TXN-2024-001", "retrieval_reference_number": "REF-2024-001", "system_audit_trace_number": "012345", "transaction_identifier": "TXN-2024-001" }, "network_transaction_id": "305123456789012", "original_card_transaction_id": "ctxn_2x8gszy5folpA9s0TOCseE9ABDM", "point_of_sale_details": { "can_support_partial_approvals": false, "card_presence": "present", "cardholder_presence": "present", "pan_entry_mode": "contactless_chip", "transaction_initiator": "cardholder" }, "recurring_transaction_details": { "recurring_model": "establish_recurring", "recurring_original_transaction_id": "ctxn_2x8gszy5folpA9s0TOCseE9ABDM" }, "total_amounts": { "cardholder_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "cardholder_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" } }, "transaction_details": { "account_funding_data": { "payment_facilitator_address": null, "payment_facilitator_name": "Acme Payments", "purpose_of_payment": "Payment for services", "type": "account_to_account" }, "fleet": { "continuation_data": [ null ], "fleet_fuel_information": { "product_code": "4900", "quantity": "12.5", "sale_amount": 10000, "unit_of_measure": "EA", "unit_price": "3.65" }, "item_sequence_number": 1, "message_identifier": "MSGID-2024-001", "motor_fuel_information": { "product_code": "4900", "quantity": "12.5", "sale_amount": 10000, "unit_of_measure": "EA", "unit_price": "3.65" }, "motor_fuel_service_type": "S", "odometer": "45210", "prompted_data": [ { "prompt_code": "ODOM", "value": "45210" } ], "pump_number": "04", "tax_breakdown": [ { "amount": 10000, "exemption_status": false, "tax_type": "VAT" } ] }, "invoice_line_items": [ { "commodity_code": "4900", "continuation_data": [ null ], "debit_credit_indicator": "D", "discount_amount": 10000, "discount_indicator": "0", "extended_item_amount": "25.00", "extended_item_description": "Office supplies", "fleet_extended_item_amount": "45.63", "fleet_item_description": "Unleaded fuel", "fleet_item_quantity": "12.5", "fleet_item_unit_of_measure": "GLL", "fleet_product_code": "001", "item_description": "Office supplies", "item_sequence_number": 1, "line_item_date": "2024-01-15T09:30:00Z", "line_item_total": 2500, "message_identifier": "MSGID-2024-001", "order_date": "2024-01-15T09:30:00Z", "product_code": "4900", "quantity": "2", "unit_cost": "12.50", "unit_of_measure": "EA", "vat_tax_amount": 10000, "vat_tax_rate": "8.25" } ], "invoice_summary": { "acceptor_reference_number": "REF-2024-001", "acceptor_tax_id": "12-3456789", "acceptor_type": "01", "account_reference": "REF-2024-001", "authorization_code": "A12345", "destination_country_code": "US", "destination_postal_code": "94105", "discount_amount": 10000, "duty_amount": 10000, "freight_shipping_amount": 10000, "general_tax_amount": 10000, "invoice_level_discount_treatment_code": "0", "item_sequence_number": 1, "message_identifier": "MSGID-2024-001", "order_date": "2024-01-15T09:30:00Z", "ship_from_postal_code": "94105", "tax_treatments_code": "VAT", "vat_invoice_reference_number": "REF-2024-001", "vat_tax_amount_freight_shipping": 10000 }, "lodging_data": { "arrival_date": "2024-01-15T09:30:00Z", "daily_room_rate": 18900, "departure_date": "2024-01-15T09:30:00Z", "folio_cash_advances": 0, "folio_number": "F12345", "food_beverage_charges": 3000, "prepaid_expenses": 0, "room_nights": 2, "total_charged": 44202, "total_charges": 44202, "total_non_room_charges": 3000, "total_room_tax": 3402, "total_tax": 3402 }, "original_credit_data": { "fast_funds": false, "purpose_of_payment": "Payment for services", "sender_account_number": "1234567890", "sender_address": { "line_1": "101 Market St", "line_2": "Suite 1913", "city": "San Francisco", "state": "CA", "postal_code": "94105", "country_code": "US" }, "sender_name": "Oliver Hockey", "sender_reference_number": "REF-2024-001", "type": "person_to_person" }, "travel_itinerary": { "account_reference": "REF-2024-001", "currency_code": "USD", "exchange_ticket_amount": 10000, "exchange_ticket_number": "1", "is_electronic_ticket": false, "is_internet_transaction": false, "item_sequencing_field": "1", "national_tax_amount": 10000, "passenger_name": "Oliver Hockey", "primary_ticket_number": null, "total_fare_amount": 10000, "total_fee_amount": 10000, "total_tax_amount": 10000, "travel_agency_code": "AA" }, "travel_legs": [ { "conjunction_ticket_number": "1", "control_id": "CTL0001", "item_sequencing_field": "1", "primary_ticket_number": null, "ticket_issue_date": "2024-01-15T09:30:00Z", "trip_legs": [ { "arrival_time": "14:30", "carrier_code": "AA", "coupon_number": "1", "departure_date": "2024-01-15T09:30:00Z", "departure_time": "14:30", "destination_code": "SFO", "fare_basis_code": "Y26", "flight_number": "1234", "origination_code": "SFO", "service_class": "200", "stop_over_code": "O" } ] } ] } }, "proposed_event": { "amounts": { "cardholder_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "cardholder_requested": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "cardholder_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_authorized": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_requested": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" }, "merchant_settled": { "amount": 12345, "currency_code": "USD", "fx_rate": "1.0842" } }, "authentication_attempt_id": "caat_2x8gszy5folpA9s0TOCseE9ABDM", "authorization_expires_at": "2024-01-15T09:30:00Z", "card_account_id": "cacc_2x8gszy5folpA9s0TOCseE9ABDM", "card_id": "card_2x8gszy5folpA9s0TOCseE9ABDM", "card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM", "card_token_id": "ctkn_2x8gszy5folpA9s0TOCseE9ABDM", "created_at": "2024-01-15T09:30:00Z", "decisioning_details": { "auth_code": "A12345", "card_authorization_policy_decision": "passed", "card_authorization_policy_decision_reason": null, "card_authorization_policy_evaluations": [ { "card_authorization_policy_id": "caup_2x8gszy5folpA9s0TOCseE9ABDM", "card_authorization_policy_version_id": "cauv_2x8gszy5folpA9s0TOCseE9ABDM", "decision": "passed", "decision_reason": null, "owner": "column", "scope": "card_program" } ], "decision": "undecided", "decision_reason": "approved", "decision_source": "card_network", "realtime_authorization_amount": 10000, "realtime_authorization_decision": "approve", "realtime_authorization_decision_reason": null }, "event_type": "financial", "id": "ctxe_2x8gszy5folpA9s0TOCseE9ABDM" } } ```