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Real-Time Authorization Decisioning
Intercept every transaction before it completes. Your webhook receives the full authorization context — merchant, amount, MCC, cardholder — and returns approve, decline, or modify in under 100ms. Full control over every card swipe.
<100ms
SLA
99.9%
Webhook uptime
Full event stream
Visibility
Technical Deep-Dive
How It Works
The technical architecture behind Real-Time Authorization Decisioning — built into every Fyatu card program.
Authorization Intercept
Every card authorization — swipe, tap, online, ATM — passes through Fyatu's decisioning gateway before reaching Visa's settlement network. Your webhook endpoint receives the enriched authorization object within 20ms of the network request, giving you maximum time to compute a response.
Approve / Decline / Modify
Your webhook response determines the transaction outcome. Return `{"decision":"APPROVE"}` to let the charge proceed, `{"decision":"DECLINE","reasonCode":"INSUFFICIENT_FUNDS"}` to block it, or `{"decision":"APPROVE","modifiedAmount":50.00}` for a partial approval. The network honors whichever decision your handler returns within the SLA window.
<100ms Response SLA
Fyatu's P99 dispatch-to-response window is 80ms for handlers hosted in major cloud regions (AWS, GCP, Azure). Deploy your handler as an edge function or in a region close to Fyatu's gateway for consistently sub-50ms round trips.
Full Event Stream
Beyond authorization intercepts, subscribe to the full card event stream: settlements, refunds, disputes, ATM withdrawals, and network declines. Events are delivered in order per card and can be replayed via the events API for reconciliation or audit.
Custom Fallback Rules
Define program-level fallback behavior for webhook timeouts, handler errors, or network partitions. Options include auto-approve, auto-decline, or rule-based fallback that applies spend controls without calling your handler. Fallback events are tagged for post-incident review.
Use Cases
Who Benefits from Real-Time Authorization Decisioning
Industries and platforms building with Real-Time Authorization Decisioning through the Fyatu Card Issuing API.
Fraud Prevention
Feed every authorization into your fraud scoring model and decline suspicious transactions in real time — before settlement, before chargebacks, before losses compound.
Dynamic Pricing
Adjust effective transaction amounts based on FX rates, loyalty tier, or merchant agreements at the moment of authorization, without requiring the cardholder to pre-load exact amounts.
Budget Enforcement
Gate every spend event against a live budget ledger. Decline the transaction if the budget line is exhausted and surface a real-time notification to the cardholder or manager.
Compliance Controls
Block transactions in sanctioned jurisdictions or with restricted merchant categories based on live compliance list lookups performed inside your handler during the authorization window.
Custom Risk Models
Run proprietary credit risk, behavioral analytics, or identity verification checks on each authorization using your own models — without being constrained by a platform's built-in risk engine.
Real-time Limits
Enforce credit line, wallet balance, or loan drawdown limits with exact precision. Since your handler queries live data on each swipe, limits are always accurate without double-spend gaps.
Real-Time Authorization Decisioning FAQ
Common questions about real-time authorization decisioning on the Fyatu Card Issuing API.
Card Issuing Platform
Ready to build with Real-Time Authorization Decisioning?
Every Fyatu card program includes Real-Time Authorization Decisioning out of the box. No add-ons, no extra config.
