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",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "APPROVED",
    "amount":               29.99,
    "currency":             "USD",
    "billingAmount":        29.99,
    "billingCurrency":      "USD",
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

{}

WEBHOOK

{
  "event":       "TRANSACTION_AUTHORIZED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:00Z",
  "data": {
    "transactionId":        "txn_01HXYZ8888ABCDEF9999",
    "cardId":               "crd_01HXYZ5555ABCDEF1111",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "APPROVED",
    "amount":               29.99,
    "currency":             "USD",
    "billingAmount":        29.99,
    "billingCurrency":      "USD",
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

{}

Deprecated — superseded by TRANSACTION_PROCESSED. This event is still delivered to existing subscribers, so no migration is required. New integrations should subscribe to TRANSACTION_PROCESSED and branch on its status field.

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",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "APPROVED",
    "amount":               29.99,
    "currency":             "USD",
    "billingAmount":        29.99,
    "billingCurrency":      "USD",
    "merchant": {
      "name":           "Amazon",
      "id":             "AMZN_MERCHANT_001",
      "city":           "Seattle",
      "country":        "US",
      "mcc":            "5999",
      "mccDescription": "Miscellaneous General Merchandise"
    }
  }
}

Payload Fields

Field	Type	Description
`transactionId`	string	Unique transaction identifier
`cardId`	string	The card used for the transaction
`cardholderId`	string	The cardholder (best-effort — may be absent if not resolvable)
`externalId`	string or null	Your internal user ID from the cardholder profile
`type`	string	Always `AUTHORIZATION` for this event
`status`	string	Always `APPROVED` for this event
`amount`	number	Transaction amount in dollars
`currency`	string	Transaction currency (ISO 4217)
`billingAmount`	number	Amount in the card’s billing currency, in dollars
`billingCurrency`	string	Billing currency — may differ for cross-border transactions
`merchant`	object	Merchant details — may be absent for non-purchase transactions
`merchant.name`	string	Merchant name
`merchant.id`	string	Merchant identifier from the network
`merchant.city`	string	Merchant city
`merchant.country`	string	Merchant country (ISO 3166-1 alpha-2)
`merchant.mcc`	string	ISO 18245 Merchant Category Code
`merchant.mccDescription`	string	Human-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",
    "cardholderId":         "chl_01HXYZ1234ABCDEF5678",
    "externalId":           "my-user-id-789",
    "type":                 "AUTHORIZATION",
    "status":               "APPROVED",
    "amount":               29.99,
    "currency":             "USD",
    "billingAmount":        29.99,
    "billingCurrency":      "USD",
    "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

Show child attributes

Response

200

Acknowledge the event.

Guides

JIT Authorization

Card Events

Transaction Events

Cardholder Events

Account Events

Billing Events

Event Type

Payload

Payload Fields

Common Use Cases

Authorizations

Body

Response

​Event Type

​Payload

​Payload Fields

​Common Use Cases

Authorizations

Body

Response

Event Type

Payload

Payload Fields

Common Use Cases