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TRANSACTION_AUTHORIZED
{
  "event":       "TRANSACTION_AUTHORIZED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:00Z",
  "data": {
    "transactionId":        "txn_01HXYZ8888ABCDEF9999",
    "cardId":               "crd_01HXYZ5555ABCDEF1111",
    "programId":            "prg_01HXYZ9876ABCDEF0000",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "PENDING",
    "amountCents":          2999,
    "currency":             "USD",
    "billingAmountCents":   2999,
    "billingCurrency":      "USD",
    "exchangeRate":         null,
    "relatedTransactionId": null,
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

{}

Documentation Index

Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt

Use this file to discover all available pages before exploring further.

Fires when a cardholder makes a purchase and the authorization is approved. The funds are reserved on the card but not yet permanently settled — a subsequent TRANSACTION_CLEARED event confirms final settlement. This is the earliest signal that a transaction has occurred. Use it to show pending activity to the cardholder in real time.

​
Event Type

TRANSACTION_AUTHORIZED

​
Payload

{
  "event":       "TRANSACTION_AUTHORIZED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:00Z",
  "data": {
    "transactionId":        "txn_01HXYZ8888ABCDEF9999",
    "cardId":               "crd_01HXYZ5555ABCDEF1111",
    "programId":            "prg_01HXYZ9876ABCDEF0000",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "PENDING",
    "amountCents":          2999,
    "currency":             "USD",
    "billingAmountCents":   2999,
    "billingCurrency":      "USD",
    "exchangeRate":         null,
    "relatedTransactionId": null,
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

​
Payload Fields

FieldTypeDescription
transactionIdstringUnique transaction identifier
cardIdstringThe card used for the transaction
programIdstringThe card’s program
cardholderIdstringThe cardholder (best-effort — may be absent if not resolvable)
externalIdstring or nullYour internal user ID from the cardholder profile
typestringAlways AUTHORIZATION for this event
statusstringAlways PENDING for this event
amountCentsintegerTransaction amount in cents
currencystringTransaction currency (ISO 4217)
billingAmountCentsintegerAmount in the card’s billing currency, in cents
billingCurrencystringBilling currency — may differ for cross-border transactions
exchangeRatenumber or nullFX rate applied — null for same-currency transactions
relatedTransactionIdstring or nullAlways null for authorizations
merchantobjectMerchant details — may be absent for non-purchase transactions
merchant.namestringMerchant name
merchant.idstringMerchant identifier from the network
merchant.citystringMerchant city
merchant.countrystringMerchant country (ISO 3166-1 alpha-2)
merchant.mccstringISO 18245 Merchant Category Code
merchant.mccDescriptionstringHuman-readable MCC description

​
Common Use Cases

  • Show a “Pending” transaction in the cardholder’s transaction history
  • Send a real-time push notification: “$29.99 at Amazon — pending”
  • Implement MCC-based spending controls
For the full event group documentation see Transaction Events. 
{
  "event":       "TRANSACTION_AUTHORIZED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:00Z",
  "data": {
    "transactionId":        "txn_01HXYZ8888ABCDEF9999",
    "cardId":               "crd_01HXYZ5555ABCDEF1111",
    "programId":            "prg_01HXYZ9876ABCDEF0000",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "PENDING",
    "amountCents":          2999,
    "currency":             "USD",
    "billingAmountCents":   2999,
    "billingCurrency":      "USD",
    "exchangeRate":         null,
    "relatedTransactionId": null,
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

{}

Authorizations

​
Authorization
string
header
required

API key from the FYATU CaaS portal. Pass as Authorization: Bearer <key>.

Body

application/json
​
event
string
Example:

"TRANSACTION_AUTHORIZED"

​
eventId
string
​
businessId
string
​
environment
enum<string>
Available options:
LIVE,
SANDBOX
​
timestamp
string<date-time>
​
data
object

Response

200

Acknowledge the event.