BWA Merchant Services V X670 EFTPOS User's Guide download pdf (Page 39)

Pre-Authorisation

The pre-authorisation function allows you to authorise and hold funds on a customer’s credit

card for a period of up to 30 days. A pre-authorisation will not debit a customer’s account until

a completion transaction is processed at a later date.

This facility is only available for use by certain Industry types e.g. Hotels/Lodgings. Each

‘transaction’ consists of two parts, the pre-auth and the completion.

Part One: Pre-Authorisation

A pre-auth transaction requests verification from a customer’s card issuing bank for the full value

of the purchase. A successful pre-auth request will issue a 6-digit authorisation number.

IMPORTANT: It is at the discretion of the card issuer how long the pre-auth value is ‘held’ against

the cardholders account for typically 3-5 days. After this, the authorisation request will expire

from the system and a new pre-auth request is required.

Part Two: Completion

When the completion request is processed, the following data can be used

to retrieve the pre-auth transaction for completion:

› the 6-digit authorisation number,

› the Invoice number, amount,

› card number or date.

The amount of the completion request may not exceed the pre-auth request

by more than 15%. If it does the transaction will be declined.

A successful completion transaction will result in value for that transaction

being included in the end of day settlement to your merchant account.

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BWA Merchant Services V X670 EFTPOS User's Guide Page 39