Primary automatic processing

The approval code (DE 38) is the key for primary matching a clearing transaction to a particular authorisation transaction. This code is assigned by the issuer system (Tuum CMS), its authorising processor, or through Stand-In Processing (STIP), confirming that the transaction was authorised.

If the matching transactions are found, the clearing transaction status is marked as Completed (C).

However, there are instances where a matching approval code may be missing or may not correspond to an existing authorisation. These non-matching clearing transactions can arise from:

• offline-authorised chip-read transactions;

• STIP transactions (when the issuer or processor was temporarily unavailable);

• credit or purchase return transactions;

• transactions from non-configured merchant terminals.

Clearing transaction statuses

To provide visibility into the transaction lifecycle, the Tuum CMS assigns specific statuses to clearing transactions:

Status code	Meaning	Description
N	New	A new clearing transaction record in the database that has not been processed or completed.
E	Error	Clearing transaction processing resulted in an error.
C	Completed	Clearing transaction processing is completed, triggering the creation of an account transaction and the release of any existing reservation.
PROCESSED	Processed	In clearing processing, if the system configuration is set to PROCESS_NON_MATCH_CLEARINGS = false and no authorisation match is found, the clearing transaction is not completed automatically and is instead set to the status “PROCESSED”. In this case, it must be completed manually.