{
"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": ""
}
}
Transactions
Transaction
Published when a transaction is authorized, reversed, refunded, settled, or charged back.
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
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
A unique identifier for this event.
Top-level event category. Always ISSUING for card issuance events.
Available options:
ISSUING 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 Transaction ID.
API version number.
Example:
"V1.6.0"
Transaction details associated with the event.
Show child attributes
Show child attributes
Response
200
Return 200 to acknowledge receipt.