The “Anticipated authorizations” service
This service allows to trigger the authorization on D-Δ (see Authorization validity period for each payment method) before the desired capture date at the bank.
In case of refusal by the issuing bank, exclusively for a non-fraud related reason, a process automatically reissues authorization requests until up to 2 days prior to the desired capture date at the bank.
The merchant may cancel the transaction or change its amount (only smaller amounts can be entered) and/or the capture date at any moment.
This process applies to:
- recurring payments,
- deferred payments,
- installments, other than the first one, in case of payment in installments.
In case of refusal for fraud-related reasons, the transaction is considered as permanently rejected.
Here is a list of fraud-related reasons that do not allow authorization reruns.
| Network | Authorization return code | Label |
|---|---|---|
| CB | 03 | Invalid acceptor |
| 04 | Keep the card | |
| 05 | Do not honor | |
| 07 | Keep the card, special conditions | |
| 12 | Incorrect Transaction Code | |
| 13 | Invalid amount | |
| 14 | Invalid cardholder number | |
| 15 | Unknown issuer | |
| 31 | Unknown acquirer company ID | |
| 33 | Expired card | |
| 34 | Suspected fraud | |
| 41 | Lost card | |
| 43 | Stolen card | |
| 54 | Expired card | |
| 56 | Card absent from the file | |
| 57 | Transaction not allowed for this cardholder | |
| 59 | Transaction not allowed for this cardholder | |
| 63 | Security rules unfulfilled | |
| 76 | The cardholder is already blocked, the previous record has been saved | |
| 80 | Contactless payment is not accepted by the issuer | |
| 81 | Unsecured payment is not accepted by the issuer | |
| 82 | Revocation of recurring payment for the card of a specific Merchant or for the MCC and the card | |
| 83 | Revocation of all recurring payments for the card |
Contact the E-Banking Merchant Support Service if you would like to enable anticipated authorizations.