Transactions overview

The Bond /transactions API is based on the core transaction object. The attributes of the transaction object are valid for all types of payments; card, ACH, RDC, 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 data as of the moment Bond became aware of the transaction. See `balances` in the table below for more details.

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.
`bond_brand_id`	The UUID of 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`	Note that the current names are misleading, and will be changed in a future version. `prior_balance`— Actually refers to the "current" balance. The current balance includes all completed transactions, but not pending transactions. `new_balance`— Actually refers to the "available" balance. The available balance includes all transactions, pending and completed.

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