--- title: "Retrieve a Real-Time Decision" method: GET path: "/real_time_decisions/{real_time_decision_id}" --- # Retrieve a Real-Time Decision `GET /real_time_decisions/{real_time_decision_id}` ## Path parameters - `real_time_decision_id` string, required — The identifier of the Real-Time Decision. ## Response `200` Real-Time Decision - RealTimeDecision — Real Time Decisions are created when your application needs to take action in real-time to some event such as a card authorization. For more information, see our [Real-Time Decisions guide](https://increase.com/documentation/real-time-decisions). - `card_authentication` object, nullable, required — Fields related to a 3DS authentication attempt. - `access_control_server_transaction_identifier` string, required — A unique identifier assigned by the Access Control Server (us) for this transaction. - `account_id` string, required — The identifier of the Account the card belongs to. - `billing_address_city` string, nullable, required — The city of the cardholder billing address associated with the card used for this purchase. - `billing_address_country` string, nullable, required — The country of the cardholder billing address associated with the card used for this purchase. - `billing_address_line1` string, nullable, required — The first line of the cardholder billing address associated with the card used for this purchase. - `billing_address_line2` string, nullable, required — The second line of the cardholder billing address associated with the card used for this purchase. - `billing_address_line3` string, nullable, required — The third line of the cardholder billing address associated with the card used for this purchase. - `billing_address_postal_code` string, nullable, required — The postal code of the cardholder billing address associated with the card used for this purchase. - `billing_address_state` string, nullable, required — The US state of the cardholder billing address associated with the card used for this purchase. - `card_id` string, required — The identifier of the Card. - `cardholder_email` string, nullable, required — The email address of the cardholder. - `cardholder_name` string, nullable, required — The name of the cardholder. - `decision` 'approve' | 'challenge' | 'deny', nullable, required — Whether or not the authentication attempt was approved. - `device_channel` object, required — The device channel of the card authentication attempt. - `browser` object, nullable, required — Fields specific to the browser device channel. - `accept_header` string, nullable, required — The accept header from the cardholder's browser. - `ip_address` string, nullable, required — The IP address of the cardholder's browser. - `javascript_enabled` 'enabled' | 'disabled', nullable, required — Whether JavaScript is enabled in the cardholder's browser. - `language` string, nullable, required — The language of the cardholder's browser. - `user_agent` string, nullable, required — The user agent of the cardholder's browser. - `category` 'app' | 'browser' | 'three_ds_requestor_initiated', required — The category of the device channel. - `merchant_initiated` object, nullable, required — Fields specific to merchant initiated transactions. - `indicator` 'recurring_transaction' | 'installment_transaction' | 'add_card' | 'maintain_card_information' | 'account_verification' | 'split_delayed_shipment' | 'top_up' | 'mail_order' | 'telephone_order' | 'whitelist_status_check' | 'other_payment' | 'billing_agreement' | 'device_binding_status_check' | 'card_security_code_status_check' | 'delayed_shipment' | 'split_payment' | 'fido_credential_deletion' | 'fido_credential_registration' | 'decoupled_authentication_fallback', required — The merchant initiated indicator for the transaction. - `directory_server_transaction_identifier` string, required — A unique identifier assigned by the Directory Server (the card network) for this transaction. - `merchant_acceptor_id` string, nullable, required — The merchant identifier (commonly abbreviated as MID) of the merchant the card is transacting with. - `merchant_category_code` string, nullable, required — The Merchant Category Code (commonly abbreviated as MCC) of the merchant the card is transacting with. - `merchant_country` string, nullable, required — The country the merchant resides in. - `merchant_name` string, nullable, required — The name of the merchant. - `message_category` object, required — The message category of the card authentication attempt. - `category` 'payment_authentication' | 'non_payment_authentication', required — The category of the card authentication attempt. - `non_payment` object, nullable, required — Fields specific to non-payment authentication attempts. - `payment` object, nullable, required — Fields specific to payment authentication attempts. - `purchase_amount` integer, required — The purchase amount in minor units. - `purchase_amount_cardholder_estimated` integer, nullable, required — The purchase amount in the cardholder's currency (i.e., USD) estimated using daily conversion rates from the card network. - `purchase_currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the authentication attempt's purchase currency. - `transaction_type` 'goods_service_purchase' | 'check_acceptance' | 'account_funding' | 'quasi_cash_transaction' | 'prepaid_activation_and_load', nullable, required — The type of transaction being authenticated. - `prior_authenticated_card_payment_id` string, nullable, required — The ID of a prior Card Authentication that the requestor used to authenticate this cardholder for a previous transaction. - `requestor_authentication_indicator` 'payment_transaction' | 'recurring_transaction' | 'installment_transaction' | 'add_card' | 'maintain_card' | 'emv_token_cardholder_verification' | 'billing_agreement', nullable, required — The 3DS requestor authentication indicator describes why the authentication attempt is performed, such as for a recurring transaction. - `requestor_challenge_indicator` 'no_preference' | 'no_challenge_requested' | 'challenge_requested_3ds_requestor_preference' | 'challenge_requested_mandate' | 'no_challenge_requested_transactional_risk_analysis_already_performed' | 'no_challenge_requested_data_share_only' | 'no_challenge_requested_strong_consumer_authentication_already_performed' | 'no_challenge_requested_utilize_whitelist_exemption_if_no_challenge_required' | 'challenge_requested_whitelist_prompt_requested_if_challenge_required', nullable, required — Indicates whether a challenge is requested for this transaction. - `requestor_name` string, required — The name of the 3DS requestor. - `requestor_url` string, required — The URL of the 3DS requestor. - `shipping_address_city` string, nullable, required — The city of the shipping address associated with this purchase. - `shipping_address_country` string, nullable, required — The country of the shipping address associated with this purchase. - `shipping_address_line1` string, nullable, required — The first line of the shipping address associated with this purchase. - `shipping_address_line2` string, nullable, required — The second line of the shipping address associated with this purchase. - `shipping_address_line3` string, nullable, required — The third line of the shipping address associated with this purchase. - `shipping_address_postal_code` string, nullable, required — The postal code of the shipping address associated with this purchase. - `shipping_address_state` string, nullable, required — The US state of the shipping address associated with this purchase. - `three_d_secure_server_transaction_identifier` string, required — A unique identifier assigned by the 3DS Server initiating the authentication attempt for this transaction. - `upcoming_card_payment_id` string, required — The identifier of the Card Payment this authentication attempt will belong to. Available in the API once the card authentication has completed. - `card_authentication_challenge` object, nullable, required — Fields related to a 3DS authentication attempt. - `account_id` string, required — The identifier of the Account the card belongs to. - `card_id` string, required — The identifier of the Card that is being tokenized. - `card_payment_id` string, required — The identifier of the Card Payment this authentication challenge attempt belongs to. - `one_time_code` string, required — The one-time code delivered to the cardholder. - `result` 'success' | 'failure', nullable, required — Whether or not the challenge was delivered to the cardholder. - `card_authorization` object, nullable, required — Fields related to a card authorization. - `account_id` string, required — The identifier of the Account the authorization will debit. - `additional_amounts` object, required — Additional amounts associated with the card authorization, such as ATM surcharges fees. These are usually a subset of the `amount` field and are used to provide more detailed information about the transaction. - `clinic` object, nullable, required — The part of this transaction amount that was for clinic-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `dental` object, nullable, required — The part of this transaction amount that was for dental-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `original` object, nullable, required — The original pre-authorized amount. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `prescription` object, nullable, required — The part of this transaction amount that was for healthcare prescriptions. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `surcharge` object, nullable, required — The surcharge amount charged for this transaction by the merchant. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `total_cumulative` object, nullable, required — The total amount of a series of incremental authorizations, optionally provided. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `total_healthcare` object, nullable, required — The total amount of healthcare-related additional amounts. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `transit` object, nullable, required — The part of this transaction amount that was for transit-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `unknown` object, nullable, required — An unknown additional amount. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `vision` object, nullable, required — The part of this transaction amount that was for vision-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `approval` object, nullable, required — Present if and only if `decision` is `approve`. Contains information related to the approval of the authorization. - `partial_amount` integer, nullable, required — If the authorization was partially approved, this field contains the approved amount in the minor unit of the settlement currency. - `card_id` string, required — The identifier of the Card that is being authorized. - `decision` 'approve' | 'decline', nullable, required — Whether or not the authorization was approved. - `decline` object, nullable, required — Present if and only if `decision` is `decline`. Contains information related to the reason the authorization was declined. - `reason` 'insufficient_funds' | 'transaction_never_allowed' | 'exceeds_approval_limit' | 'card_temporarily_disabled' | 'suspected_fraud' | 'other', required — The reason the authorization was declined. - `digital_wallet_token_id` string, nullable, required — If the authorization was made via a Digital Wallet Token (such as an Apple Pay purchase), the identifier of the token that was used. - `direction` 'settlement' | 'refund', required — The direction describes the direction the funds will move, either from the cardholder to the merchant or from the merchant to the cardholder. - `healthcare` object, nullable, required — The healthcare-related fields for this authorization. Only present for specific programs. - `merchant_ninety_percent_eligibility` 'eligible' | 'not_eligible', required — The merchant's eligibility under the Internal Revenue Service's 90% Rule for Flexible Spending Account (FSA) and Health Savings Account (HSA) eligible products. The eligibility is determined based on the list of merchants maintained by the Special Interest Group for IIAS Standards (SIGIS). - `merchant_acceptor_id` string, required — The merchant identifier (commonly abbreviated as MID) of the merchant the card is transacting with. - `merchant_category_code` string, required — The Merchant Category Code (commonly abbreviated as MCC) of the merchant the card is transacting with. - `merchant_city` string, nullable, required — The city the merchant resides in. - `merchant_country` string, required — The country the merchant resides in. - `merchant_descriptor` string, required — The merchant descriptor of the merchant the card is transacting with. - `merchant_postal_code` string, nullable, required — The merchant's postal code. For US merchants this is either a 5-digit or 9-digit ZIP code, where the first 5 and last 4 are separated by a dash. - `merchant_state` string, nullable, required — The state the merchant resides in. - `network_details` object, required — Fields specific to the `network`. - `category` 'visa' | 'pulse', required — The payment network used to process this card authorization. - `pulse` object, nullable, required — Fields specific to the `pulse` network. - `visa` object, nullable, required — Fields specific to the `visa` network. - `electronic_commerce_indicator` 'mail_phone_order' | 'recurring' | 'installment' | 'unknown_mail_phone_order' | 'secure_electronic_commerce' | 'non_authenticated_security_transaction_at_3ds_capable_merchant' | 'non_authenticated_security_transaction' | 'non_secure_transaction', nullable, required — For electronic commerce transactions, this identifies the level of security used in obtaining the customer's payment credential. For mail or telephone order transactions, identifies the type of mail or telephone order. - `point_of_service_entry_mode` 'unknown' | 'manual' | 'magnetic_stripe_no_cvv' | 'optical_code' | 'integrated_circuit_card' | 'contactless' | 'credential_on_file' | 'magnetic_stripe' | 'contactless_magnetic_stripe' | 'integrated_circuit_card_no_cvv', nullable, required — The method used to enter the cardholder's primary account number and card expiration date. - `stand_in_processing_reason` 'issuer_error' | 'invalid_physical_card' | 'invalid_cryptogram' | 'invalid_cardholder_authentication_verification_value' | 'internal_visa_error' | 'merchant_transaction_advisory_service_authentication_required' | 'payment_fraud_disruption_acquirer_block' | 'other', nullable, required — Only present when `actioner: network`. Describes why a card authorization was approved or declined by Visa through stand-in processing. - `terminal_entry_capability` 'unknown' | 'terminal_not_used' | 'magnetic_stripe' | 'barcode' | 'optical_character_recognition' | 'chip_or_contactless' | 'contactless_only' | 'no_capability', nullable, required — The capability of the terminal being used to read the card. Shows whether a terminal can e.g., accept chip cards or if it only supports magnetic stripe reads. This reflects the highest capability of the terminal — for example, a terminal that supports both chip and magnetic stripe will be identified as chip-capable. - `network_identifiers` object, required — Network-specific identifiers for a specific request or transaction. - `authorization_identification_response` string, nullable, required — The randomly generated 6-character Authorization Identification Response code sent back to the acquirer in an approved response. - `retrieval_reference_number` string, nullable, required — A life-cycle identifier used across e.g., an authorization and a reversal. Expected to be unique per acquirer within a window of time. For some card networks the retrieval reference number includes the trace counter. - `trace_number` string, nullable, required — A counter used to verify an individual authorization. Expected to be unique per acquirer within a window of time. - `transaction_id` string, nullable, required — A globally unique transaction identifier provided by the card network, used across multiple life-cycle requests. - `network_risk_score` integer, nullable, required — The risk score generated by the card network. For Visa this is the Visa Advanced Authorization risk score, from 0 to 99, where 99 is the riskiest. For Pulse the score is from 0 to 999, where 999 is the riskiest. - `original_card_payment_id` string, nullable, required — The identifier of the Card Payment containing the original authorization or card validation this transaction references. For a merchant-initiated transaction, this is the Card Payment from when the card was first stored, which is typically where the CVV2 was verified. The reference this is derived from is supplied by the merchant or their acquirer, so it is not guaranteed to be present. - `partial_approval_capability` 'supported' | 'not_supported', required — Whether or not the authorization supports partial approvals. - `physical_card_id` string, nullable, required — If the authorization was made in-person with a physical card, the Physical Card that was used. - `presentment_amount` integer, required — The amount of the attempted authorization in the currency the card user sees at the time of purchase, in the minor unit of that currency. For dollars, for example, this is cents. - `presentment_currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the currency the user sees at the time of purchase. - `processing_category` 'account_funding' | 'automatic_fuel_dispenser' | 'bill_payment' | 'original_credit' | 'purchase' | 'quasi_cash' | 'refund' | 'cash_disbursement' | 'cash_deposit' | 'balance_inquiry' | 'unknown', required — The processing category describes the intent behind the authorization, such as whether it was used for bill payments or an automatic fuel dispenser. - `request_details` object, required — Fields specific to the type of request, such as an incremental authorization. - `category` 'initial_authorization' | 'incremental_authorization', required — The type of this request (e.g., an initial authorization or an incremental authorization). - `incremental_authorization` object, nullable, required — Fields specific to the category `incremental_authorization`. - `card_payment_id` string, required — The card payment for this authorization and increment. - `original_card_authorization_id` string, required — The identifier of the card authorization this request is attempting to increment. - `initial_authorization` object, nullable, required — Fields specific to the category `initial_authorization`. - `settlement_amount` integer, required — The amount of the attempted authorization in the currency it will be settled in. This currency is the same as that of the Account the card belongs to. - `settlement_currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the currency the transaction will be settled in. - `terminal_id` string, nullable, required — The terminal identifier (commonly abbreviated as TID) of the terminal the card is transacting with. - `upcoming_card_payment_id` string, required — The identifier of the Card Payment this authorization will belong to. Available in the API once the card authorization has completed. - `verification` object, required — Fields related to verification of cardholder-provided values. - `card_verification_code` object, required — Fields related to verification of the Card Verification Code, a 3-digit code on the back of the card. - `result` 'not_checked' | 'match' | 'no_match', required — The result of verifying the Card Verification Code. - `cardholder_address` object, required — Cardholder address provided in the authorization request and the address on file we verified it against. - `actual_line1` string, nullable, required — Line 1 of the address on file for the cardholder. - `actual_postal_code` string, nullable, required — The postal code of the address on file for the cardholder. - `provided_line1` string, nullable, required — The cardholder address line 1 provided for verification in the authorization request. - `provided_postal_code` string, nullable, required — The postal code provided for verification in the authorization request. - `result` 'not_checked' | 'postal_code_match_address_no_match' | 'postal_code_no_match_address_match' | 'match' | 'no_match' | 'postal_code_match_address_not_checked', required — The address verification result returned to the card network. - `cardholder_name` object, nullable, required — Cardholder name provided in the authorization request. - `provided_first_name` string, nullable, required — The first name provided for verification in the authorization request. - `provided_last_name` string, nullable, required — The last name provided for verification in the authorization request. - `provided_middle_name` string, nullable, required — The middle name provided for verification in the authorization request. - `card_balance_inquiry` object, nullable, required — Fields related to a card balance inquiry. - `account_id` string, required — The identifier of the Account the authorization will debit. - `additional_amounts` object, required — Additional amounts associated with the card authorization, such as ATM surcharges fees. These are usually a subset of the `amount` field and are used to provide more detailed information about the transaction. - `clinic` object, nullable, required — The part of this transaction amount that was for clinic-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `dental` object, nullable, required — The part of this transaction amount that was for dental-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `original` object, nullable, required — The original pre-authorized amount. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `prescription` object, nullable, required — The part of this transaction amount that was for healthcare prescriptions. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `surcharge` object, nullable, required — The surcharge amount charged for this transaction by the merchant. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `total_cumulative` object, nullable, required — The total amount of a series of incremental authorizations, optionally provided. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `total_healthcare` object, nullable, required — The total amount of healthcare-related additional amounts. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `transit` object, nullable, required — The part of this transaction amount that was for transit-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `unknown` object, nullable, required — An unknown additional amount. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `vision` object, nullable, required — The part of this transaction amount that was for vision-related services. - `amount` integer, required — The amount in minor units of the `currency` field. The amount is positive if it is added to the amount (such as an ATM surcharge fee) and negative if it is subtracted from the amount (such as a discount). - `currency` string, required — The [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) code for the additional amount's currency. - `approval` object, nullable, required — Present if and only if `decision` is `approve`. Contains information related to the approval of the balance inquiry. - `balance` integer, required — If the balance inquiry was approved, this field contains the balance in the minor unit of the settlement currency. - `card_id` string, required — The identifier of the Card that is being authorized. - `decision` 'approve' | 'decline', nullable, required — Whether or not the authorization was approved. - `digital_wallet_token_id` string, nullable, required — If the authorization was made via a Digital Wallet Token (such as an Apple Pay purchase), the identifier of the token that was used. - `merchant_acceptor_id` string, required — The merchant identifier (commonly abbreviated as MID) of the merchant the card is transacting with. - `merchant_category_code` string, required — The Merchant Category Code (commonly abbreviated as MCC) of the merchant the card is transacting with. - `merchant_city` string, nullable, required — The city the merchant resides in. - `merchant_country` string, required — The country the merchant resides in. - `merchant_descriptor` string, required — The merchant descriptor of the merchant the card is transacting with. - `merchant_postal_code` string, nullable, required — The merchant's postal code. For US merchants this is either a 5-digit or 9-digit ZIP code, where the first 5 and last 4 are separated by a dash. - `merchant_state` string, nullable, required — The state the merchant resides in. - `network_details` object, required — Fields specific to the `network`. - `category` 'visa' | 'pulse', required — The payment network used to process this card authorization. - `pulse` object, nullable, required — Fields specific to the `pulse` network. - `visa` object, nullable, required — Fields specific to the `visa` network. - `electronic_commerce_indicator` 'mail_phone_order' | 'recurring' | 'installment' | 'unknown_mail_phone_order' | 'secure_electronic_commerce' | 'non_authenticated_security_transaction_at_3ds_capable_merchant' | 'non_authenticated_security_transaction' | 'non_secure_transaction', nullable, required — For electronic commerce transactions, this identifies the level of security used in obtaining the customer's payment credential. For mail or telephone order transactions, identifies the type of mail or telephone order. - `point_of_service_entry_mode` 'unknown' | 'manual' | 'magnetic_stripe_no_cvv' | 'optical_code' | 'integrated_circuit_card' | 'contactless' | 'credential_on_file' | 'magnetic_stripe' | 'contactless_magnetic_stripe' | 'integrated_circuit_card_no_cvv', nullable, required — The method used to enter the cardholder's primary account number and card expiration date. - `stand_in_processing_reason` 'issuer_error' | 'invalid_physical_card' | 'invalid_cryptogram' | 'invalid_cardholder_authentication_verification_value' | 'internal_visa_error' | 'merchant_transaction_advisory_service_authentication_required' | 'payment_fraud_disruption_acquirer_block' | 'other', nullable, required — Only present when `actioner: network`. Describes why a card authorization was approved or declined by Visa through stand-in processing. - `terminal_entry_capability` 'unknown' | 'terminal_not_used' | 'magnetic_stripe' | 'barcode' | 'optical_character_recognition' | 'chip_or_contactless' | 'contactless_only' | 'no_capability', nullable, required — The capability of the terminal being used to read the card. Shows whether a terminal can e.g., accept chip cards or if it only supports magnetic stripe reads. This reflects the highest capability of the terminal — for example, a terminal that supports both chip and magnetic stripe will be identified as chip-capable. - `network_identifiers` object, required — Network-specific identifiers for a specific request or transaction. - `authorization_identification_response` string, nullable, required — The randomly generated 6-character Authorization Identification Response code sent back to the acquirer in an approved response. - `retrieval_reference_number` string, nullable, required — A life-cycle identifier used across e.g., an authorization and a reversal. Expected to be unique per acquirer within a window of time. For some card networks the retrieval reference number includes the trace counter. - `trace_number` string, nullable, required — A counter used to verify an individual authorization. Expected to be unique per acquirer within a window of time. - `transaction_id` string, nullable, required — A globally unique transaction identifier provided by the card network, used across multiple life-cycle requests. - `network_risk_score` integer, nullable, required — The risk score generated by the card network. For Visa this is the Visa Advanced Authorization risk score, from 0 to 99, where 99 is the riskiest. For Pulse the score is from 0 to 999, where 999 is the riskiest. - `physical_card_id` string, nullable, required — If the authorization was made in-person with a physical card, the Physical Card that was used. - `terminal_id` string, nullable, required — The terminal identifier (commonly abbreviated as TID) of the terminal the card is transacting with. - `upcoming_card_payment_id` string, required — The identifier of the Card Payment this authorization will belong to. Available in the API once the card authorization has completed. - `verification` object, required — Fields related to verification of cardholder-provided values. - `card_verification_code` object, required — Fields related to verification of the Card Verification Code, a 3-digit code on the back of the card. - `result` 'not_checked' | 'match' | 'no_match', required — The result of verifying the Card Verification Code. - `cardholder_address` object, required — Cardholder address provided in the authorization request and the address on file we verified it against. - `actual_line1` string, nullable, required — Line 1 of the address on file for the cardholder. - `actual_postal_code` string, nullable, required — The postal code of the address on file for the cardholder. - `provided_line1` string, nullable, required — The cardholder address line 1 provided for verification in the authorization request. - `provided_postal_code` string, nullable, required — The postal code provided for verification in the authorization request. - `result` 'not_checked' | 'postal_code_match_address_no_match' | 'postal_code_no_match_address_match' | 'match' | 'no_match' | 'postal_code_match_address_not_checked', required — The address verification result returned to the card network. - `cardholder_name` object, nullable, required — Cardholder name provided in the authorization request. - `provided_first_name` string, nullable, required — The first name provided for verification in the authorization request. - `provided_last_name` string, nullable, required — The last name provided for verification in the authorization request. - `provided_middle_name` string, nullable, required — The middle name provided for verification in the authorization request. - `category` 'card_authorization_requested' | 'card_balance_inquiry_requested' | 'card_authentication_requested' | 'card_authentication_challenge_requested' | 'digital_wallet_token_requested' | 'digital_wallet_authentication_requested', required — The category of the Real-Time Decision. - `created_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which the Real-Time Decision was created. - `digital_wallet_authentication` object, nullable, required — Fields related to a digital wallet authentication attempt. - `card_id` string, required — The identifier of the Card that is being tokenized. - `channel` 'sms' | 'email', required — The channel to send the card user their one-time passcode. - `digital_wallet` 'apple_pay' | 'google_pay' | 'samsung_pay' | 'unknown', required — The digital wallet app being used. - `email` string, nullable, required — The email to send the one-time passcode to if `channel` is equal to `email`. - `one_time_passcode` string, required — The one-time passcode to send the card user. - `phone` string, nullable, required — The phone number to send the one-time passcode to if `channel` is equal to `sms`. - `result` 'success' | 'failure', nullable, required — Whether your application successfully delivered the one-time passcode. - `digital_wallet_token` object, nullable, required — Fields related to a digital wallet token provisioning attempt. - `card_id` string, required — The identifier of the Card that is being tokenized. - `decision` 'approve' | 'decline', nullable, required — Whether or not the provisioning request was approved. This will be null until the real time decision is responded to. - `device` object, required — Device that is being used to provision the digital wallet token. - `identifier` string, nullable, required — ID assigned to the device by the digital wallet provider. - `digital_wallet` 'apple_pay' | 'google_pay' | 'samsung_pay' | 'unknown', required — The digital wallet app being used. - `id` string, required — The Real-Time Decision identifier. - `status` 'pending' | 'responded' | 'timed_out', required — The status of the Real-Time Decision. - `timeout_at` string, date-time, required — The [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) date and time at which your application can no longer respond to the Real-Time Decision. - `type` 'real_time_decision', required — A constant representing the object's type. For this resource it will always be `real_time_decision`. ## Other responses - `4XX` — Error - `5XX` — Error --- [API](https://skmtc.net/increase/apis/increase-api-2.md) · [All operations](https://skmtc.net/increase/apis/increase-api-2/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/increase/increase-api-2/versions/e968bcd4dcf9/schema)