Remote Host Authorization

Remote Host Authorization (RHA) is a functionality that provides you as an on-boarding partner, the capability to authorize (or forbid) real-time transactions.

When a cardholder attempts to make a card transaction via ISAC Switch system, the following process occurs:

1. The merchant sends an authorization message to the card network.

2. The card network sends an authorization message to the Switch platform.

3. The Switch platform translate the ISO message and authenticates the request.

4. Switch platform forwards the authorization request to the remote host.

5. The remote host authorizes the request and sends the transaction response.

6. The response received from the remote host is mapped to the network's response code and is sent to the network.

7. Finally, the switch platform sends the transaction notification to the webhook endpoint.

Transaction Flow

To configure RHA, you must follow the below steps:

1. Send a one-on-one email to vatech POC, containing a username, password, and URL.

2. This URL must be configured to accept a POST request and validate it using basic authentication.

3. The request timeout is set to 4 seconds, so make sure you perform all your operations within the timeout duration.

4. You must respond back with either of the following http status codes. Any other statuses will be treated as the Remote Host’s server fault and the vatech platform will deny this transaction.

   • 200 - Transaction Approved By Remote Host

   • 402 - Transaction Denied By Remote Host

5. For Balance Enquiry transactions, you are expected to send 200 http status code and balance in the response. A sample response is mentioned below

RHA Request

{
   "txn_log_id":"txn_379c86ce2b494a1bae03f0fab8f",
   "card_id":"crd_5e8856b0c9a24272b8250992f4a4",
   "user_id":"usr_4363b0e00a094a6f7c0b306460557",
   "account_id":"acc_91a6377961f77a7b1e2574bf",
   "txn_date":"2020-01-20T12:10:44.342339Z",
   "txn_type":"AUTH",
   "txn_code":"DEBIT",
   "channel":"POS",
   "mcc":"5999",
   "mid":"ABC123TESTMTF19",
   "rrn":"080000000013",
   "stan":"HAKUU32423",
   "terminal_id":"MTF TEST",
   "aid":"999901",
   "is_afd_applicable":false,
   "acquiring_details":{
      "amount":1000,
      "currency":{
         "alpha_code":"INR",
         "numeric_code":356,
         "exponent":2
      }
   },
   "txn_details":{
      "amount":1000,
      "currency":{
         "alpha_code":"INR",
         "numeric_code":356,
         "exponent":2
      },
      "fee_details":{
         "fee_applicable":false,
         "amount":0,
         "currency":{
            "alpha_code":"",
            "numeric_code":0,
            "exponent":0
         }
      }
   },
   "merchant":{
      "name":"Misc Retail",
      "city":"Vegas",
      "state":" N",
      "country":"V ",
      "formatted_name":"Misc Retail/Vegas/ N/V "
   },
   "authentication_details":{
      "pin_verified":true,
      "cvv_verified":true
   },
   "account_balance":{
      "amount":2878400,
      "currency":{
         "alpha_code":"INR",
         "numeric_code":356,
         "exponent":2
      }
   },
   "sub_txn_type":{
      "txn_condition":"EMI_TRANSACTION",
      "mandate":{
         "is_applicable":true,
         "txn_type":"DEREGISTER_MANDATE",
         "number_of_instalments":"1",
         "init_date":"02",
         "min_amt":"000000000500",
         "max_amt":"000000001000",
         "start_date":"02072023",
         "end_date":"01082024",
         "mode":"SMS_AND_EMAIL",
         "freq_indicator":"MONTHLY",
         "txn_id":"si_123frn5i55vtn454"
      },
      "emi":{
         "is_applicable":true,
         "total_amount":"000000001000",
         "amount":"000000000500",
         "number_of_instalments":"02",
         "interest_rate":"06.50"
      }
   }
}

RHA Response

{
    "balance": 200000 // representation in lowest denomination (INR 2000.00)
}

RHA Request Details

Field Name	Data Type	Required	Description
txn_log_id	string	M	Unique reference to the transaction
card_id	string	M	Reference to the card
user_id	string	M	Reference to the user
account_id	string	M	Account Id of the user
txn_date	string	M	Transaction Date time stamp
txn_type	string	M	Refer below for more details
txn_code	string	M	Refers to transaction code
channel	string	M	Mode of the transaction (POS, ATM, ECOM)
mcc	string	M	Merchant category code
mid	string	M	Merchant Id
rrn	string	M	Retrieval Reference Number
stan	string	M	-
terminal_id	string	M	Terminal Id
aid	string	M	Acquirer Id
is_afd_applicable	bool	M	Denotes if afd is applicable
acquiring_details.amount	numeric	M	Transaction’s Acquiring Amount
acquiring_details.currency.alpha_code	string	M	Transaction’s Acquiring Currency
acquiring_details.currency.numeric_code	numeric	M	Transaction’s Acquiring Numeric Code
account_balance.amount	numeric	M	-
account_balance.currency.alpha_code	string	M	-
account_balance.currency.numeric_code	numeric	M	-
authentication_details.pin_verified	bool	M	Denotes if pin is verified
authentication_details.cvv_verified	bool	M	Denotes if cvv is verified
merchant.name	string	M	Merchant name
merchant.city	string	M	Merchant city
merchant.state	string	M	Merchant state
merchant.country	string	M	Merchant country
txn_details.amount	numeric	M	Transaction Amount
txn_details.currency.alpha_code	string	M	Transaction Currency Code
txn_details.currency.numeric_code	numeric	M	Numeric Transaction Currency Code
txn_details.fee_details.fee_applicable	bool	M	Denotes if there is any transaction fees applicable
txn_details.fee_details.amount	numeric	M	Fee amount
txn_details.fee_details.currency.alpha_code	string	M	Fee currency
txn_details.fee_details.currency.numeric_code	numeric	M	Numeric code for fee currency
sub_txn_type.txn_condition	string	O	This refers to the sub type of transaction such as EMI/SI. Possible values are EMI_TRANSACTION, STANDING_INSTRUCTION, ACCOUNT_STATUS_INQUIRY
sub_txn_type.mandate.is_applicable	bool	O	Denotes if mandate is applicable
sub_txn_type.mandate.txn_type	string	O	Denotes type of SI transaction. Possible values are REGISTER_MANDATE, DEREGISTER_MANDATE, UPDATE_MANDATE, INTIMATE_PRE_DEBIT, DEREGISTER_MANDATE_FOR_CARD
sub_txn_type.mandate.number_of_instalments	string	O	Denotes total number of payment instalments
sub_txn_type.mandate.init_date	string	O	Preferred date for SI initialization
sub_txn_type.mandate.min_amt	string	O	Minimum Amount for which SI can be initiated.
sub_txn_type.mandate.max_amt	string	O	Maximum Amount for which SI can be initiated.
sub_txn_type.mandate.start_date	string	O	SI start date
sub_txn_type.mandate.end_date	string	O	SI end date
sub_txn_type.mandate.mode	string	O	SMS/EMAIL
sub_txn_type.mandate.freq_indicator	string	O	Mandate frequency indicator(DAILY/WEEKLY)
sub_txn_type.mandate.txn_id	string	O	Mandate id populated by npci during mandate registration
sub_txn_type.emi.is_applicable	bool	O	Denotes if EMI is applicable
sub_txn_type.emi.amount	string	O	EMI amount
sub_txn_type.emi.total_amount	string	O	Total amount
sub_txn_type.emi.number_of_instalments	string	O	Number of EMI instalments
sub_txn_type.emi.interest_rate	string	O	EMI interest rate

Transaction Types

txn_type	Description	txn_indicator
AUTH	Card Authorization transaction	Debit
AUTH_ADVICE	For any card authorization, if any pre-auth was done, you will get the actual transaction details here.	Debit
REVERSAL	This is the immediate reversal of the authorized transactions.	Credit
REVERSAL_ADVICE	This is the immediate reversal of the authorized transactions.	Credit
CLEARING_REVERSAL OR CR_EXTEND_LIMIT	This is the reversal due to settlement - An example: Payments on Credit Flipkart/Amazon. If you are returning an item, the refund amount gets posted back to the cardholder. Here the txn_type will be CLEARING_REVERSAL. This is basically known as Refunds.	Credit
FP_AE_CLEARED OR FP_AE_EXTEND_LIMIT	This is the reversal due to Acquirer Merchant Claim - If the cardholder does a Credit AUTH transaction of 1000 INR and the acquirer merchant claims only 990 INR, then a reversal of 10 INR is posted to the cardholder. Here the txn_type will be F P_AE_CLEARED. This scenario is very less frequent.	Credit
FP_CE_CLEARED OR FP_CE_WITHDRAW_LIMIT	n case, the acquirer merchant claims more than the authorized Debit transaction(surcharge on IRCTC, fuel stations, etc), an extra debit is posted to the cardholder.	Debit
ADJUSTMENT	When merchant sends the first presentment for a transactions which was immidiately reversed, we create a transaction of type ADJUSTMENT to debit the cardholder.	Debit