1. Description

Real-time transaction authorization decision-making aims to allow Interlace customers with appropriate permissions to decide on authorizations sent directly to them, rather than having Interlace alone make the authorization decision. Currently supported only for Interlace Own HK Visa BINs.

2. Docking Process

Merchants first provide a callback address to Interlace
When a user conducts a transaction, Interlace will initiate a transaction authorization decision (Client VCC Decisioning) to the merchant
Merchants shall return data in accordance with the interface format
The merchant needs to respond within 2 seconds; otherwise, the current transaction will be automatically rejected by default.
RequestHeader's Content-Type is application/json

3. Interface Description

3.1 Request data structure is

{
    "apiVersion": "v3",
    "code": "000000",
    "createTime": 1766665538105,
    "eventType": "AUTHORIZATION",
    "id": "b6dfe818-7a04-4664-8e35-bfdbf255a3e1",
    "message": "",
    "resource": {
      "id": "454d5586-944f-43ca-ba14-bb78eb3ae2a8",
      "cardId": "22a0ce1c-8f68-4665-b406-c07a380abea9",
      "createTime": "2025-12-25T12:25:39.144Z",
      "accountId": "3b86e5dd-e293-47c4-a3fc-ebb947f8632c",
      "sourceId": "68ebe628-4ba9-40e7-a466-39237f63ce36",
      "transactionType": "authorization",
      "transactionId": "7d763a51-24af-4fc3-894e-d34a941960fa",
      "transactionAmount": 0.02,
      "transactionCurrency": "HKD",
      "billAmount": 0.02,
      "billCurrency": "USD",
      "detail": "TRANSIT1 CITY NAME HK(ATM)",
      "merchantName": "TRANSIT1",
      "mcc": "6511",
      "mccCategory": "",
      "merchantCity": "CITY NAME",
      "merchantCountry": "HK",
      "merchantState": "",
      "merchantZipcode": "",
      "merchantMid": "",
      "fee": 2.3,
      "fees": [
        {
          "feeType": "Authorization Fee",
          "amount": 1,
          "currency": "USD"
        },
        {
          "feeType": "Settlement Fee",
          "amount": 0.3,
          "currency": "USD"
        },
        {
          "feeType": "Apple Pay Authorization Fee",
          "amount": 0,
          "currency": "USD"
        },
        {
          "feeType": "ATM Withdrawal Fee",
          "amount": 2,
          "currency": "USD"
        }
      ]
    }
  }

3.1.1 Request API Client Data Field

Field Name	Type	Required	Description
id	string	Y	ID Management
cardId	string	Y	Card Identification
createTime	string	Y	Creation Time
accountId	string	Y	accountId
sourceId	string	Y	Underlying bank transaction ID
transactionType	string	Y	[authorization]
transactionId	string	Y	Internal ID
transactionAmount	string	Y	Transaction Amount
transactionCurrency	string	Y	Transaction Currency
billAmount	string	At times	Settlement Amount
billCurrency	string	At times	Settlement Currency (USD)
detail	string	At times	Transaction Details
merchantName	string	Y	Platform Name
mcc	string	Y	Industry Code (MCC) to which the platform belongs
mccCategory	string	N	Industry category to which MCC belongs
merchantCity	string	N	City where the platform is located
merchantCountry	string	N	Country/Region where the platform is located
merchantState	string	N	State/Province where the platform is located
merchantZipcode	string	N	Platform postal code
merchantMid	string	N	Platform Number (MID
fee	string
fees	string

3.2 Return field

Field Name	Type	Required	Description
code	string	Y	According to 3.2.1
id	string	Y	ID returned by 3.1

3.2.1 Enumeration corresponding to code

Code	Description
000	Successful transaction
112	Account is blocked
116	Not enough money on account
124	Account not found
481	Customer cancellation
482	The cardholder aborted the transaction after an authorization request had been sent
483	Completed partially (amount less than original request)
496	Response received too late
902	Incorrect type of request or code of transaction
907	CBS is not available
909	Internal errors in the interface software
910	CBS is in "log off" state
914	Cancellation request sent when CBS operational day is closed
913	Duplicate transaction
916	Errors in software of CBS
894	Temporary moratorium (TIME_MORATORIUM)
895	Absence of information about debt (DEBTS_ABSENCE)
997	Service of advance repayment of debt not available (SERVICE_NOT_ALLOWED)
814	Limit reached for total number of transactions in cycle
912	WDL limit exceeded
917	Card's limit exceeded
938	Account's limit exceeded
953	Card is restricted
243	LUK expired or transaction limit for key exceeded
940	Original transaction not found
957	Payment institution unknown or unsupported
239	Terminate Subscription
893	Purchase only, no cash back allowed
370	Command to capture card from FRAUD
371	Command to block and capture card from FRAUD
085	Request is in Progress
841	Currency conversion failed

3.3 Request Example

Request data

curl --location '客户提供决策服务地址' \
--header 'signature-method: HMAC-SHA256' \
--header 'signature: abuAFlQGy9OYetTTsfM5sVEl2cLPXBJwrGe785NQGxU=' \
--header 'timestamp: 1766665538105' \
--header 'Content-Type: application/json' \
--data '{
    "apiVersion": "v3",
    "code": "000000",
    "createTime": 1766665538105,
    "eventType": "AUTHORIZATION",
    "id": "b6dfe818-7a04-4664-8e35-bfdbf255a3e1",
    "message": "",
    "resource": "{\"id\":\"454d5586-944f-43ca-ba14-bb78eb3ae2a8\",\"cardId\":\"22a0ce1c-8f68-4665-b406-c07a380abea9\",\"createTime\":\"2025-12-25T12:25:39.144Z\",\"accountId\":\"3b86e5dd-e293-47c4-a3fc-ebb947f8632c\",\"sourceId\":\"68ebe628-4ba9-40e7-a466-39237f63ce36\",\"transactionType\":\"authorization\",\"transactionId\":\"7d763a51-24af-4fc3-894e-d34a941960fa\",\"transactionAmount\":0.02,\"transactionCurrency\":\"HKD\",\"billAmount\":0.02,\"billCurrency\":\"USD\",\"detail\":\"TRANSIT1 CITY NAME HK(ATM)\",\"merchantName\":\"TRANSIT1\",\"mcc\":\"6511\",\"mccCategory\":\"\",\"merchantCity\":\"CITY NAME\",\"merchantCountry\":\"HK\",\"merchantState\":\"\",\"merchantZipcode\":\"\",\"merchantMid\":\"\",\"fee\":2.3,\"fees\":\"[{\\\"feeType\\\":\\\"Authorization Fee\\\",\\\"amount\\\":1,\\\"currency\\\":\\\"USD\\\"},{\\\"amount\\\":0.3,\\\"currency\\\":\\\"USD\\\",\\\"feeType\\\":\\\"Settlement Fee\\\"},{\\\"amount\\\":0,\\\"currency\\\":\\\"USD\\\",\\\"feeType\\\":\\\"Apple Pay Authorization Fee\\\"},{\\\"amount\\\":2,\\\"currency\\\":\\\"USD\\\",\\\"feeType\\\":\\\"ATM Withdrawal Fee\\\"}]\"}"
}'

Response Data

{
  "id": "d8a258a2-2403-41a2-88d9-0761aabddc17",
  "code": "000"
}

4. Special Cases

During the check, for example, when it is our system's MCC blocklist, authorization will not be granted to downstream API clients.
During the check, for example, if the balance is insufficient, authorization will not be granted to downstream API clients.