Transaction authorization

Authorization Request

When you make a purchase using the card, an authorization request is generated. These requests allow DogPay and your business to approve or deny any incoming transactions, providing complete control and monitoring of expenses.

When using the issued card for purchases, an authorization request is generated. The outcome of this request determines whether the transaction is approved or denied.

DogPay Authorization Process

graph TD
    A[Auth Start] --> B(Check Card/Budget Status)
    B -- Available --> C(Check Card/Budget Balance or Limit)
    B -- Unavailable --> I[Authorization Failure, Transaction Rejected]
    C -- Sufficient --> D(Check MCC)
    C -- Insufficient --> I
    D -- Match --> E(Check Transaction Scenario)
    D -- No Match --> I
    E -- Match --> F(Other Verification Processes)
    E -- No Match --> I
    F -- Success --> G(Create Card Transaction)
    F -- Failure --> I
    G --> H(Wait for Customer Authorization Decision)
    H -- Approve --> J(Deduct Card/Budget Balance)
    H -- Reject --> I
    J --> K[Authorization Completed]

Config Authorization Policy

You can contact your account manager to provide your Authorization URL, and we will grant you access to transaction decisioning capabilities.

Your response must meet all of the following requirements; otherwise, this transaction will be denied.

1. Respond to our requests within 500ms (including network latency time) (authorization time may be adjusted in the future depending on card capabilities)
2. Return standard HTTP 200 or 201 status codes
3. Return the response object defined below

Response Object

{
  "approved": true,
  "reasonCode": "100001"
}

We will only handle the approved attribute in the object, while the reasonCode field is reserved for your use, and you can configure it according to your needs.

Data Demo

{
    "event_id": "38f4854a2-bd58-406e-8e55-7f0337fd3e1e",
    "event_identifier": "card.transaction.authorization",
    "data": {
        "id": "172f7c72-f6a3-4877-b9a8-001eb5d7a722",
        "cardId": "273e7381-8d1b-4b80-9fa3-e9afada4edf8",
        "cardChannel": "c_002_prepaid",
        "entityId": "4b43168f-ccb7-4c1b-9629-dc2cd170ac54",
        "orderNum": "202505112222130578572",
        "transactionId": "3df8f7ce-d7c1-4820-ba16-2679dde67f7c",
        "currency": "USD",
        "fee": "0.67000000",
        "amount": "11.00000000",
        "type": "consumption",
        "status": "pending",
        "createAt": "2025-05-11T14:22:13.056Z",
        "completeAt": "2025-05-11T14:22:13.058Z",
        "detail": "Facebook dwcity USA",
        "tradeTag": null,
        "reasonCode": 0,
        "localCurrency": "USD",
        "localAmount": "11.00000000",
        "merchantInfo": {
            "name": "Facebook",
            "city": "dwcity",
            "country": "USA",
            "mcc": "5311"
        }
    }
}