Pre-Authorisation Processing; Part One: Pre-Authorisation; Part Two: Completion - Ingenico MOVE/5000 User Manual

Pre-Authorisation processing

The pre-authorisation function allows you to authorise and hold funds on a customer's credit card for a
period of up to seven days. A pre-authorisation will not debit a customer's account until a completion
transaction is processed at a later date. Each 'transaction' consists of two parts: the pre-authorisation and
the completion. This facility is only available for use in certain industries, such as hotels or lodgings.
It is important to retain the Pre-Authorisation merchant receipt as the pre- authorisation completion cannot
be completed without the Approval Code from the receipt.

Part one: Pre-authorisation

A pre-authorisation transaction requests verification from a customer's card-issuing bank for the full value of
the purchase. The customer's bank will issue a successful pre-authorisation request with a 6-digit
authorisation number.

Part two: Completion

The Completion transaction is used to process the Customer's final payment where a Pre-Authorisation was
processed earlier. When processing the completion request, use the following data to retrieve the pre-
authorisation transaction:
• the six-digit authorisation number
• the invoice number and amount
• the card number or date.
The amount of the completion request may not exceed the pre-authorisation request by more than 15%. If it
does, the transaction will be declined. When a completion transaction is successful, its value will be included
in the end-of-day settlement to your merchant account.
Note: Please refer to your POS Vendor Point of Sale manual on how to initiate this transaction at the POS if in
integrated mode.
34 Ingenico MOVE/5000 Terminal User Guide