Last update 8/08/2018

3. Special operations on authorised transactions

Requesting an authorisation implies checking the validity of a card/account and the amount of money available on it. Each acquirer can then reserve the specific amount of money requested on the customer's card/account for a predefined period of time and for a specific merchant.

Besides requesting an authorisation, our system also allows you to delete and renew authorisations and perform manual authorisations. The latter two operations are only possible for credit card payments.

3.1 Delete an authorisation

Whenever a transaction is authorised, it means the acquirer is reserving a specific sum on the customer’s card/account (or the request is matched against a blacklist), to be paid to you when the payment is requested. Although our platform allows you to delete an authorisation, not all acquirers support this type of operation.

To delete an authorisation via our platform, look up the transaction via the “View transactions” selection screen and click on the “Cancel authorisation” button at the bottom of the order details page. We will simulate the authorisation deletion in any case, even if the acquirer doesn’t support this operation.

Do you prefer automated operations?

  • Batch: send the operation code DES in field 10
  • DirectLink: send OPERATION=DES

3.2 Renew an authorisation

An authorisation’s validity period depends on the acquirer. In transaction details, you will see the days remaining before the authorisation for each transaction expires. This number of days is given as an indication only. The exact authorisation period is specified in the contract with your acquirer.

If the authorisation has not been followed by a data capture (payment request) within the predefined timeframe, the authorisation will be displayed in red, meaning it has expired. The merchant's guarantee that the money is still available for him on the customer’s card/account no longer exists.

You could request the payment anyway (without a valid authorisation), but the payment may be refused (e.g. in the event of insufficient funds).

Before requesting the payment, you could renew the authorisation in your back office. This means you are requesting the acquirer to reserve the money for you once again. However, it is possible that the cardholder has used his card in the meantime and that there are no longer sufficient funds for you to be paid.

To renew an authorisation, look up the transaction via the “View transactions” selection screen and click on the "Redo authorisation" button at the bottom of the order details page (if the button is not immediately available, click on the "Advanced" button first).

If the original authorisation was obtained with the 3-D Secure protocol, the original 3-D Secure conditions may no longer apply to the renewed authorisation.

In accordance with the VISA International and MasterCard International Regulations, the customer has to identify himself for each authorisation in order to benefit from the 3-D Secure guarantee. The 3-D Secure conditional payment guarantee rules are exclusively managed between the merchant (you) and his acquirer. Please contact your acquirer for more information.

Do you prefer automated operations?

  • Batch: send the operation code REN in field 10
  • DirectLink: send operation=REN

3.3 Perform a manual authorisation

Sometimes the acquirer does not issue the authorisation automatically, e.g. when you have reached your permitted transaction limit. The acquirer will refuse the authorisation and return a message asking you to contact its merchant call centre. When you contact the acquirer and he decides to issue the authorisation, he may give you an authorisation code over the phone.

You can enter the authorisation code the acquirer has given you (over the phone or via fax, etc.) in your back office. Look up the transaction via the “View transactions” selection screen. When you invoke the transaction details, you will see a “Manual Authorisation” button at the bottom of the page (if the button is not immediately available, click on the "Advanced" button first). Enter the authorisation code the acquirer has given you in the field next to the “Manual Authorisation” button and click the “Manual Authorisation” button.

As the merchant, you are fully responsible for the manual entry of the authorisation code, even if the transaction is in status 9 afterwards and no actual payment is performed.

If you have a 3-D Secure contract with your acquirer, the 3-D Secure conditions which apply for a standard authorisation issued via the 3-D Secure protocol, may differ from those for a manual authorisation. In accordance with the VISA International and MasterCard International Regulations, the customer has to identify himself for each authorisation in order to benefit from the 3-D Secure guarantee. The 3-D Secure conditional payment guarantee rules are exclusively managed between the merchant (you) and his acquirer. Please contact your acquirer for more information.
As a leading global digital payment service provider, Ingenico Payment Services provides a seamless response to the complexity of payments, whatever the channel: online, mobile and point-of-sale. Offering innovative e-commerce, multi-channel, financial, and marketing solutions, it helps merchants to manage, collect and secure their payments, prevent fraud and increase their revenues through higher conversions. Ingenico Payment Services is part of the Ingenico Group, the global leader in seamless payment.

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