Transactions overview

How does Bond manage transactions and what are the attributes of a transaction.

The Bond Studio /transactions API is based on the core transaction object. The attributes of the transaction object are valid for all types of payments; card, ACHACH - Automated Clearing House. The network that coordinates electronic payments and automated money transfers., RDCRDC - Remote Deposit Capture. A technology-based method that lets banks accept checks for deposit using electronic images instead of the original, physical, paper versions. Remote deposit capture lets banking customers use their computers, tablets, or smartphones to conveniently deposit checks., and account. ▶ Run in Postman

The transaction object contains the objects shown in the table below.

Object

Description

details

Contains the attributes specific to a transaction type. For example:

  • The details object for an ACH transfer includes the external_account_id.
  • The details object for a card purchase includes the retailer's MCC.
For information on the details object attributes for various transaction types, see Payment types.

balances

Contains the balance before and after a transaction occurs.

An example of the details that are associated with a transaction is shown below.

{
    "page": 1,
    "pages": 1,
    "count": 2,
    "next_page": null,
    "transactions": [
        {
            "transaction_id": "b9b8da9a-5ff2-4e5c-84ee-587b7d092f6b",
            "bond_brand_id": "8ed5c9fe-581b-490a-9dcb-3302db235a4b",
            "customer_id": "6493109c-7cb5-4f21-9d19-d9c3901d452d",
            "account_id": "9dc86a8a-4c12-4107-84a8-e7cf6a76586f",
            "payment_type": "card",
            "transaction_type": "credit",
            "previous_transaction_id": null,
            "state": "pending",
            "amount": "5.30",
            "currency": "USD",
            "created_time": "2021-02-02T22:27:13+00:00",
            "updated_time": "2021-03-02T20:39:56+00:00",
            "balances": {
                "prior_balance": "68.83",
                "new_balance": "63.53"
            },
            "details": {
                "card_id": "71efc729-830f-455f-9525-281c19bb4bb4",
                "mcc": "3542",
                "mcc_description": "matrix dynamic eyeballs",
                "currency": "USD",
                "exchange_rate": "0.00",
                "merchant_id": "9le8DI5z8am54O3b",
                "merchant_name": "Baldwin, Wright and Martinez",
                "merchant_city": "New Nathanshire",
                "merchant_state": "Missouri",
                "merchant_country": "Colombia",
                "merchant_postal_code": "34100",
                "merchant_currency": "",
                "merchant_amount": "",
                "exchange_rate": "",
                "cardholder_presence": true,
                "statement_descriptor": "Target #4744",
                "arn": "000091556011",
                "fraud_rule_triggered": "spend_velocity"
            }
        },
        {
            "transaction_id": "6460856a-e431-4d5f-a6d2-deb87c01042f",
            "bond_brand_id": "4b3fab91-7b67-4300-95f7-437dacac5e78",
            "customer_id": "00b9a8ed-03b5-4ce4-a0dd-9bb47aefd2b0",
            "account_id": "9e5f7953-743d-46d0-88ae-dacc395e8030",
            "payment_type": "ach",
            "transaction_type": "credit",
            "previous_transaction_id": null,
            "state": "pending",
            "amount": "3.22",
            "currency": "USD",
            "created_time": "2021-01-17T06:37:44+00:00",
            "updated_time": "2021-03-04T01:09:46+00:00",
            "balances": {
                "prior_balance": "57.10",
                "new_balance": "53.88"
            },
            "details": {
                "card_id": "21775c4e-c74e-40e8-83ec-1e2c9781d587",
                "external_account_id": "d6517906-a318-43b5-849f-0b42032c0a1f",
                "class_code": "ppd",
                "direction": "credit",
                "network": "ach",
                "description": "Testing",
                "failure_reason": "Invalid ACH routing number",
                "return_code": "R13"
            }
        }
    ]
}

The following table describes the transactions attributes.

Attribute

Type

transaction_id

Unique ID for a Bond transaction.

transaction_type

Varies, based on the payment_type.

payment_type

Type of payment made. Valid values; card, ach, rdc, account.
For details, see Payment Types.

state

Varies, based on payment_type.
For details, see Transaction states.

brand_id

The UUID for the your brand.

customer_id

The UUID for your customer.

account_id

The UUID of the account. Each customer_id can have more than one account_id associated with it.

amount

The value of the transaction in USD.

currency

The currency used in the transaction.
Currently only USD is supported.

merchant_currency

ISO currency for the transaction, for example USD.

merchant_amount

The original value of the transaction before an currency conversions.

exchange_rate

The conversion rate used for the transaction.

created_time

The time the transaction is initiated. If the user swipes a card at a POS terminal, this timestamp displays the time at the POS.

updated_time

The time the transaction was updated.

balances

prior_balance—The balance before the transaction was processed.
new_balance—The balance after the transaction was processed.

For a complete specification and interactive examples, see Transactions in the Bond API Reference.


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