Template:Authorization

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Authorization, Sale

Also known as Sale, Authorization is a temporary reduction in the credit limit of the card. If Authorization is not included in Batch, the credit limit is restored and merchant does not receive any funds.

  • Credit Card Processing Software contacts Processor associated with the card to be authorized.
  • Credit Card Processing Software transmits Account Number, Expiration Date and Amount to Processor
  • Processor debits the credit limit of the card by Amount and transmits back Authorization Code.

Pre-Authorization

Pre-Authorization is used to make sure that the card is valid and has sufficient credit limit. There is NO temporary reduction in the credit limit of the card. Merchant does not receive any funds.

  • Credit Card Processing Software contacts Processor associated with the card to be authorized.
  • Credit Card Processing Software transmits Account Number, Expiration Date and Amount to Processor
  • Processor transmits back Authorization Code.

Forced Authorization (Force/Voice Authorization)

Forced Authorization is used when a connection to processor is not possible or desirable. To force a transaction, a user must call the processor to obtain an authorization or approval code.
This code needs to be entered into CreditLine for batch time processing.
Credit Card Processing Software does NOT contact Processor to get Authorization Code for Forced Authorizations. Instead, the Forced transaction is saved and is included in the next Batch. If Force is not included in Batch or Processor does not approve the transaction at Batch time, merchant does not receive funds.

Call-In Authorization

This is a type of Forced Authorization that is used when a connection to a processor is not possible or desirable. You have to call the processor to obtain an authorization code which will be supplied to a Force transaction. If Force is not included in Batch or Processor does not approve the transaction at Batch time, merchant does not receive any funds.