Card RTA Webhooks

Information related to Solid’s Real-Time Authorization (RTA) for cards
Cards
Card RTA Webhooks
 last updated: 
November 22, 2022

Card RTA (Real Time Authorization) can be set and enabled in the Developer > Real Time Authorization section of the dashboard. The card RTA webhook event card.auth.request is sent on any card authorization request. When enabled, the receiver must respond within 2 seconds with an approved or declined response. If the call times out or responds with a non-2xx status code, then stand-in processing rules will apply based on the RTA setup.

All RTA webhook requests are signed with a sd-webhook-sha256-signature header. The secret key is available in the dashboard in the Developer > Real Time Authorization section.

Sample Request

  1. {
  2.   "eventType": "card.auth.request",
  3.   "programId": "prg-d4fb72d0-4f99-46b5-b137-91af779827b7",
  4.   "env": "staging",
  5.   "data": {
  6.     "id": "car-6603e6d5-164b-4e05-8ae3-cff5203dc9c1",
  7.     "amount": "6.00",
  8.     "merchant": {
  9.       "merchantName": "CVS PHARMACY",
  10.       "merchantCity": "SAN JOSE",
  11.       "merchantState": "CA",
  12.       "merchantCountry": "USA",
  13.       "postalCode": "",
  14.       "merchantCategory": "Bakeries",
  15.       "merchantCategoryCode": "5462",
  16.       "merchantId": "CRD ACCEPTOR ID"
  17.     },
  18.     "status": "pending",
  19.     "Account": {
  20.       "id": "acc-be9a1613-5768-4cd9-bd41-4b93b9cca515",
  21.       "label": "personalChecking",
  22.       "type": "personalChecking",
  23.       "balance": "614.00",
  24.       "currency": "USD",
  25.       "metadata": null
  26.     },
  27.     "Card": {
  28.       "id": "crd-54ca16db-ddcf-42f0-b738-13b7672669cb",
  29.       "label": "virtual",
  30.       "bin": "credit",
  31.       "type": "virtual",
  32.       "theme": "",
  33.       "limitAmount": "100.00",
  34.       "limitInterval": "allTime",
  35.       "metadata": {
  36.         "externalId": "buff_user_001"
  37.       }
  38.     },
  39.     "createdAt": "2022-10-21T10:34:07Z",
  40.     "Ach": null,
  41.     "wallet": null,
  42.     "personId": "per-f846dc89-4d8b-47a7-8353-1b6007039020",
  43.     "programId": "prg-d4fb72d0-4f99-46b5-b137-91af779827b7",
  44.     "localTransactionAmount": "6.00",
  45.     "localTransactionCurrency": "USD",
  46.     "currencyConversionRate": "1.000000000",
  47.     "rtaType": "partialAuth"
  48.   }
  49. }

Sample Response

Response status can be approved or declined with a 200 OK status code. In the case of "rtaType": "partialAuth" the optional "approvedBalance" response will instruct the Solid platform how much to authorize.

  1. {
  2.      "status": "approved",
  3.      "approvedBalance": "1000.00"
  4. }