# Transactions Service
source: https://developer.mastercard.com/transactions-service/documentation/index.md

## Overview {#overview}

The Transactions Service API retrieves transactions for active accounts enrolled in the Mastercard Rewards System. Accounts may only be enrolled with the user's explicit acceptance of program terms. The Transactions Service API response provides a view of an individual consumer's points earned or transaction data based on the requested timeframe. The service is used where the user or consumer is seeking to view points earned or transaction details. For instance, in a customer service application, to help with problem resolution.
Note: For Transactions Service API, the transaction details are shared only where Mastercard scores a Rewards or Promotions program for a customer. The Transactions Service API does not share aggregate-level data. In some cases, the Promotions Digital Enablement Transaction endpoint is recommended as an alternative, your Solution Engineer or Program Manager will guide you.

The timing of the transaction availability depends on the integration. For instance:

* For transactions completed through Mastercard (that is, GCMS, GCO, or MDS), the details are provided daily after receiving from clearing (our system only sees the cleared transactions). The transactions appear in the system about two to five days after the transaction date, although a small percentage will come later. All of these processes are heavily dependent on the merchant.
* For transactions that come from the customer or partner, a schedule will be established when the program is onboarded (based on the integration details).

## How It Works {#how-it-works}

The Transactions Service API enables customers to get a snapshot view of their transaction history.

The types of customers who will benefit from this service are issuers and merchants, and the target groups would be:

* Programs where the client is hosting the entire user experience through Mastercard Reward APIs.
* Programs in which Mastercard hosts the product offering (that is, the client uses Mastercard white-labeled solutions, products, etc.) but the transactions are displayed on a client-hosted platform.

Note: There is no service dependency if a customer has an opaque identifier like RANAC or RANCU to query the endpoints such as Points Activity Service, User Account Management, or Transactions API.

However, if the customer is not storing an opaque identifier, the user-management `/users/references/searches` endpoint is used to get the RANAC and RANCU using BAN or BCN. This creates a dependency to use the Points Activity Service or Transactions Service.

RANCU is a Random Customer Number and RANAC is a Random Account Number. Both are tokens meant to hide PCI (Personal Customer Information).

##### The following diagram shows a high-level flow between the Consumer, Customer, and the Transactions Service API. {#the-following-diagram-shows-a-high-level-flow-between-the-consumer-customer-and-the-transactions-service-api}

![](https://static.developer.mastercard.com/content/transactions-service/uploads/how_it_works_tlp.png)

###### Execution Steps {#execution-steps}

1. The consumer signs into the customer's application.
2. The customer authenticates the consumer.
3. The customer sends a signed request to the Transactions Service.
4. The Transactions Service validates the request.
5. The Transactions Service will perform the transaction activity.
6. The Transactions Service sends the response.

### Good to Know {#good-to-know}

* We have created a [Reference Application](https://developer.mastercard.com/transactions-service/documentation/reference-app/index.md) to get you started.
* Refer to the [Use Cases](https://developer.mastercard.com/transactions-service/documentation/use-cases/index.md) for additional details on how the API works.
* Refer to the [Tutorials and Guides](https://developer.mastercard.com/transactions-service/documentation/tutorials-and-guides/index.md) for additional guidance.

Tip: If you don't have a Mastercard representative, reach out for help from the [support page](https://developer.mastercard.com/transactions-service/documentation/support/index.md#get-help).

## Next Steps {#next-steps}

When you are ready to use the APIs, refer to the [API Basics](https://developer.mastercard.com/transactions-service/documentation/api-basics/index.md) page for API authentication, and environment details.