Transaction

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "issuing.transaction.authorization",
  "event_id": "234fca01-1ace-4d34-baf5-29b10e9d11c0",
  "source_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
  "data": {
    "authorization_code": "W6MJU9",
    "billing_amount": "11.5",
    "billing_currency": "USD",
    "card_available_balance": "988.5",
    "card_id": "50418faa-57a8-4ce2-9157-621b00b13a3b",
    "card_number": "40963608****1764",
    "cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
    "description": "",
    "fee_pass_through": "Y",
    "merchant_data": [
      {
        "category_code": "5734",
        "city": "",
        "country": "",
        "name": "Test Merchant"
      }
    ],
    "original_transaction_id": "",
    "posted_time": "2026-04-12T15:27:39.563+08:00",
    "short_transaction_id": "T260412-2AHV51KO5U68",
    "transaction_amount": "10",
    "transaction_currency": "USD",
    "transaction_fee": "1.5",
    "transaction_fee_currency": "USD",
    "transaction_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
    "transaction_status": "APPROVED",
    "transaction_time": "2026-04-12T15:27:39.48+08:00",
    "transaction_type": "AUTHORIZATION",
    "wallet_type": ""
  }
}

WEBHOOK

transaction

{
  "version": "V1.6.0",
  "event_name": "ISSUING",
  "event_type": "issuing.transaction.authorization",
  "event_id": "234fca01-1ace-4d34-baf5-29b10e9d11c0",
  "source_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
  "data": {
    "authorization_code": "W6MJU9",
    "billing_amount": "11.5",
    "billing_currency": "USD",
    "card_available_balance": "988.5",
    "card_id": "50418faa-57a8-4ce2-9157-621b00b13a3b",
    "card_number": "40963608****1764",
    "cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
    "description": "",
    "fee_pass_through": "Y",
    "merchant_data": [
      {
        "category_code": "5734",
        "city": "",
        "country": "",
        "name": "Test Merchant"
      }
    ],
    "original_transaction_id": "",
    "posted_time": "2026-04-12T15:27:39.563+08:00",
    "short_transaction_id": "T260412-2AHV51KO5U68",
    "transaction_amount": "10",
    "transaction_currency": "USD",
    "transaction_fee": "1.5",
    "transaction_fee_currency": "USD",
    "transaction_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
    "transaction_status": "APPROVED",
    "transaction_time": "2026-04-12T15:27:39.48+08:00",
    "transaction_type": "AUTHORIZATION",
    "wallet_type": ""
  }
}

Event Types

Event Type	Description
`issuing.transaction.authorization`	The issuer approved a cardholder-initiated transaction. Typically used for ordinary purchases or transactions.
`issuing.transaction.reversal`	A previous transaction was canceled or reversed — for example due to fraud, operational error, or transaction cancellation. Funds are returned to the cardholder’s account.
`issuing.transaction.refund`	The cardholder returned purchased goods or services and the merchant refunded the funds back to the cardholder’s account.
`issuing.transaction.settlement.credit`	The settlement amount was lower than the original transaction amount, so the difference is credited to the cardholder’s account.
`issuing.transaction.settlement.debit`	The settlement amount was higher than the original transaction amount, so the difference is debited from the cardholder’s account.
`issuing.transaction.settlement.reversal`	A previous settlement transaction was reversed, returning the funds to the cardholder when an error occurred.
`issuing.transaction.fund.collection`	Notification that the cardholder’s card account has received funds from an external source, reported to UQPAY by the card network (e.g. Visa/Mastercard) and forwarded to you. Distinct from cardholder-initiated `CARD RECHARGE` and from funding your issuing balance.
`issuing.transaction.fund.transfer`	A fund transfer was processed.
`issuing.transaction.validation`	Verifies the validity of the card and confirms that the cardholder information is correct and the card is active. Usually performed alongside the authorization flow.
`issuing.transaction.atm.deposit`	A cash deposit to the account through an ATM. UQPAY does not support this transaction type, but the event is still recorded.
`issuing.transaction.chargeback.credit`	A chargeback credit was processed.
`issuing.transaction.chargeback.debit`	A chargeback debit was processed.

Identifying ATM Transactions

How to identify ATM withdrawals and balance inquiries

Both arrive as issuing.transaction.authorization events.ATM withdrawalmerchant_data[].category_code = 6011 (MCC 6011 — Automated Cash Disbursement).ATM balance inquirymerchant_data[].category_code = 6011 and billing_amount = "0".

Body

application/json

event_id

string<uuid>

required

A unique identifier for this event.

event_name

enum<string>

required

Top-level event category. Always ISSUING for card issuance events.

Available options:

ISSUING

event_type

enum<string>

required

The specific event type that occurred.

Available options:

issuing.transaction.authorization,

issuing.transaction.reversal,

issuing.transaction.refund,

issuing.transaction.settlement.credit,

issuing.transaction.settlement.debit,

issuing.transaction.settlement.reversal,

issuing.transaction.fund.collection,

issuing.transaction.fund.transfer,

issuing.transaction.validation,

issuing.transaction.atm.deposit,

issuing.transaction.chargeback.credit,

issuing.transaction.chargeback.debit

source_id

string

required

Transaction ID.

version

string

required

API version number.

Example:

"V1.6.0"

data

object

Transaction details associated with the event.

Show child attributes

Response

200

Return 200 to acknowledge receipt.

Cardholder Updated Card Fee

Card Lifecycle

Card Balance

Cardholder & KYC

Transactions

Risk Controls

Security & Activation

Transfers

Reports

Event Types

Identifying ATM Transactions

Body

Response

​Event Types

​Identifying ATM Transactions

Body

Response

Event Types

Identifying ATM Transactions