This page provides the different auth methods that can be submitted to our gateway in AUTH requests.
Auth methods are used to specify how a transaction is to be processed by the card issuer.
Each auth method has a different set of requirements, as described in the following sections.
A pre-authorisation is used to seek authorisation for a transaction and reserve the funds on the customer’s account, in cases where the final amount to be debited from the customer is not known at time of authorisation. By default, the funds reserved by pre-authorisations are typically settled within 24 hours, but if required, they can be deferred for up to 31 days. If the transaction is not settled within this time-frame, we will automatically cancel the transaction and the funds will be released back into the customer’s bank account.
A final authorisation is used to seek authorisation for a transaction and reserve the funds on the customer’s account, in cases where the final amount to be debited from the customer is known at time of authorisation. By default, the funds reserved by final authorisations are typically settled within 24 hours, but can be deferred if needed. Mastercard mandate that final authorisations must be settled within 4 days.
An incremental authorisation is used to increase the total amount to be paid by the customer, if it is not known at time of authorisation. It is an additional request that can be used to seek authorisation for additional funds, once the full amount is known. The total amount to be paid by the customer is the value from the original AUTH, in addition to amounts associated with the incremental authorisations.
Split shipments provide you with greater control over when reserved funds are settled. Instead of performing a single settlement within 7 days, as is the case with a standard authorisation, with split shipments you can perform multiple partial settlements.
Split shipments are designed for scenarios where a customer has placed a single order for multiple items, which may be dispatched at different times. This allows you to ensure the customer has the required funds by reserving the full amount of the order and then settling the funds required for each item as they are dispatched.
How to check your site's default auth methodCapturing card details on your own form