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Understanding Final-Authorisation and Pre-Authorisation

The two types of authorisation used when processing card transactions

Updated over 2 months ago

Final-Authorisation

Final-authorisation is the default and most commonly used transaction type.

  • The authorised amount must be captured exactly as it was initiated.

  • It is not allowed to void (cancel) the transaction, unless the transaction is suspected to be fraudulent.

    • In such cases, the void must be performed within 72 hours.

  • You can set the capture delay for up to 3 days.


Pre-Authorisation

Pre-authorisation is used less frequently, but it is necessary in scenarios where the final transaction amount may vary (e.g., hotel bookings, car rentals).

  • You can finalise the transaction for a smaller amount than originally authorised.

  • You can void the authorisation if needed.

  • The capture delay can be set for up to 7 days.

Use final-authorisation for straightforward payments where the amount is fixed. Choose pre-authorisation if the final amount might change or if you need flexibility to cancel the transaction later.

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