Automated secondary processing

When the system is configured with PROCESS_NON_MATCH_CLEARINGS = true, it operates in automated mode for unmatched clearings.

How it works

If a clearing transaction cannot be matched to an authorisation using the card number and approval code, it is still processed automatically. An account transaction is created, the clearing transaction's status is marked as Completed (C). No manual processing is needed, and this logic also supports processing of offline transactions where needed.

However, if a reservation exists for the unmatched authorisation, it is not released automatically unless further configuration is applied. By default, such reservations remain in place indefinitely.

To address this, the system provides an option to automatically release reservations after a defined number of days. This period, known as the reservation tolerance period, can be configured within the CMS as needed for each specific scheme and product class. The exact property name and default value may vary depending on your Tuum system setup. If configured, unmatched reservations will be released automatically after the specified time. The expiry period should be set based on typical transaction timelines and business risk considerations.

In addition to automated handling, the CMS supports manual linking of a clearing transaction to its original authorisation. When this is done, the system updates the database to bind the two records. This action also triggers the immediate release of the associated reservation, completing the reconciliation process.