Processing Authorization-Only Transactions

Authorization-Only credit card transactions are those which are authorized by the payment processor but the funds of which are not immediately captured. If you use these types of transactions, you must later designate these authorizations for capture in order to finish the transaction.

To receive authorization for a credit card transaction without capturing the funds for the transaction, do the following:

• From among the choices displayed in the category Transaction Type, select Authorize an Amount/Don’t Capture Funds Yet.
• Provide customer information as shown on your Virtual Terminal Screen (please see Chapter 3 Settings for more information on how to customize the fields present on your Virtual Terminal).
• Provide customer credit card information.
• To submit the transaction, scroll down to the bottom of the screen and click on Submit.

Submitting eCheck.Net Transactions Without Capturing Funds

Note: Because eCheck.Net transactions are not processed in real time, immediate authorization for an eCheck.Net transaction is not possible. That is, unlike credit cards, which can be immediately authorized for a transaction, eCheck.Net transactions require a lengthier processing time. Thus, if you submit an eCheck.Net transaction using the Authorization-Only method, the transaction will remain on our payment processing servers, but will not be submitted to the ACH network for processing. The transactions can later be submitted by following the same process that is used to capture credit card transactions processed using Authorization-Only (see preceding section: Processing Authorization-Only Transactions. Also see the section called Selecting Authorization-Only Transactions for Capture in Chapter 5 Transaction Activity).