Authorization: Bearer ********************{
"id": "CTXM123456",
"transactionId": "CTX123456",
"transactionType": "PURCHASE",
"cardId": "CA123456",
"cardholderId": "CH123456",
"billingCurrency": "EUR",
"billingAmount": "10.00",
"billingMarkupAmount": "0.00",
"billingFeeAmount": "0.00",
"transactionCurrency": "EUR",
"transactionAmount": "10.00",
"transactionTime": "2026-01-01T00:00:00Z",
"merchant": {
"mcc": "4111",
"id": "CARD ACCEPTOR",
"name": "ACQUIRER NAME",
"locationCountryCode": "FR",
"locationCity": "Paris",
"locationStreet": "TowerE, Abc Street",
"locationPostalCode": "C2A 2EX",
"terminalId": "TERMID01",
"descriptor": "CARD ACCEPTOR"
},
"entryMode": "1005",
"networkSettlementUtilityNumber": "006335",
"authorizationCode": "SGVHW2",
"networkAuthorizationCode": "FKUHSJ3",
"banknetReferenceNumber": "316120082886336",
"createdTime": "2026-01-01T00:00:00Z"
}curl --location '$https://auth-relay.example.com' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
"id": "CTXM123456",
"transactionId": "CTX123456",
"transactionType": "PURCHASE",
"cardId": "CA123456",
"cardholderId": "CH123456",
"billingCurrency": "EUR",
"billingAmount": "10.00",
"billingMarkupAmount": "0.00",
"billingFeeAmount": "0.00",
"transactionCurrency": "EUR",
"transactionAmount": "10.00",
"transactionTime": "2026-01-01T00:00:00Z",
"merchant": {
"mcc": "4111",
"id": "CARD ACCEPTOR",
"name": "ACQUIRER NAME",
"locationCountryCode": "FR",
"locationCity": "Paris",
"locationStreet": "TowerE, Abc Street",
"locationPostalCode": "C2A 2EX",
"terminalId": "TERMID01",
"descriptor": "CARD ACCEPTOR"
},
"entryMode": "1005",
"networkSettlementUtilityNumber": "006335",
"authorizationCode": "SGVHW2",
"networkAuthorizationCode": "FKUHSJ3",
"banknetReferenceNumber": "316120082886336",
"createdTime": "2026-01-01T00:00:00Z"
}'{
"approved": "false",
"declinedReason": "INSUFFICIENT_BALANCE",
"description": "Insufficient cardholder balance"
}