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4.6 How to process a Pre-Authorisation.
This function is used to reserve funds for a sale to be processed later. Car rentals and hotels/
motels most commonly use this function.
Note:
•
Pre-authorisation transactions can only be performed on credit cards and charge cards
and only where you've been authorised to do so.
•
It's important that the pre-authorisation receipt is retained to enable you to complete
the pre-authorisation easily.
•
Pre-authorisations will be held on the customer's card for a period of up to 31 days unless
the pre-authorisation is completed or cancelled. The length of time funds are held varies
by card scheme and may depend on the rules set by the customer's issuing bank.
•
Retain the record of the merchant or POS receipt to retain the RRN/Authorisation ID
that'll be required for the Completion transaction at a later stage.
•
Refer to the table below for the actions you can perform on a pre-authorisation transaction
by scheme.
Transaction Type
Pre-Authorisation
Pre-Authorisation
Completion
Pre-Authorisation
Cancel
How to process a Pre-Authorisation transaction.
Terminal Screen
HH:MM
DD/MM/YYYY
36
Visa
Mastercard
✓
✓
✓
✓
X
X
POS Screen
American
JCB
Express
✓
✓
✓
✓
X
X
Diners
China
Club
Union
Pay
✓
✓
✓
✓
X
✓
Next Step
Start by initiating
the transaction via
the POS interface.
Domestic
Debit
(Sav/Chq)
X
X
X
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