Payment Card Authorisation

 A request to see whether a Payment Card is approved to complete a specific Transaction.

How does Payment Card Authorisation work?

Payment Card Authorisation is required to check whether a Customer has sufficient funds and is approved in order to complete the Transaction. Such request emerges whenever a Cardholder attempts to purchase goods or services. 

Payment Card Authorisation request is first sent through the Acquirer to determine the Customer’s Issuer. When notified, the Issuer determines whether the Transaction with the Merchant will be approved or declined after considering the Customer’s balance and sufficiency of funds. This information travels back through the Acquirer to the Merchant. If the Transaction is approved, then the amount due is deducted from the Customer’s account.

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