The “Anticipated authorizations” service
This service allows you to make an authorization request several days before the desired capture date.
The delay depends on the authorization validity period and the used payment method (see authorization validity period).
If the issuer refuses due to a non-fraud related reason, an automatic process reiterates authorization requests until up to 2 days prior to the 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 permanently rejected.
Here is a list of fraud-related reasons that do not allow authorization reruns.
| Network | Authorization return code | Label |
|---|---|---|
| CB / AMEX | 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 |
Please contact E-commerce customer service if you wish to enable anticipated authorizations.