> ## 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.

# TRANSACTION_AUTHORIZED

> Fired when a card purchase is authorized. Funds are reserved but not yet settled.

<Warning>
  **Deprecated** — superseded by [`TRANSACTION_PROCESSED`](/v3.20/webhooks/events/transaction-processed).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.
</Warning>

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

```json theme={null}
{
  "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](/v3.20/webhooks/events/transaction-events).

<RequestExample>
  ```json Webhook Payload theme={null}
  {
    "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"
      }
    }
  }
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={null}
  {}
  ```
</ResponseExample>


## OpenAPI

````yaml v3.20/openapi.json webhook TRANSACTION_AUTHORIZED
openapi: 3.1.0
info:
  title: FYATU CaaS API v3.20
  description: >-
    FYATU Cards-as-a-Service API — API key authentication, Cardholder
    lifecycle, Card issuance, Transactions, Webhooks, and Programs.
  version: 3.20.0
  contact:
    name: FYATU Support
    url: https://fyatu.com
    email: support@fyatu.com
servers:
  - url: https://api.fyatu.com/api/v3.20
    description: >-
      FYATU CaaS API — the environment (LIVE or SANDBOX) is determined by the
      API key, not the URL
security:
  - BearerAuth: []
tags:
  - name: Meta
    description: Liveness, account info, and supported event types
  - name: Account
    description: Account-level balance and funding status
  - name: Programs
    description: Read card program configuration
  - name: Cardholders
    description: Create and manage cardholder profiles
  - name: Cards
    description: Issue, fund, freeze, and terminate virtual cards
  - name: Transactions
    description: Read-only card transaction history
  - name: Webhooks
    description: Manage webhook endpoints for real-time event delivery
  - name: Products
    description: Read card product configurations
paths: {}
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: >-
        API key from the FYATU CaaS portal. Pass as `Authorization: Bearer
        <key>`.

````