- Introduction to Payments
- Standard Payment Processing
- Card Present Connect | Retail Processing
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card Present Connect | Mass Transit Processing
- Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Airline Data Processing
- Japanese Payment Options Processing
- Processing Payments Using Credentials
- Using Stored Customer Credentials During a CIT
- Merchant-Initiated Delayed Transaction with PAN
- Merchant-Initiated Incremental Transaction with PAN
- Merchant-Initiated No-Show Transactions with PAN
- Merchant-Initiated Reauthorization Transactions with PAN
- Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
- Recurring Payments
- Merchant-Initiated Recurring Payments with PAN
- Token Management Service Processing
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REST API | Visa Platform Connect
Online Authorizations
Online authorizations provide immediate confirmation of funds availability. The customer's
financial institution also reduces the amount of credit available in the customer's account,
setting aside the authorized funds for the merchant to capture at a later time. Authorizations
for most payment cards are processed online. Typically, it is safe to start fulfilling the
order when you receive an authorization confirmation.
An online authorization confirmation and the subsequent hold on funds expires after a
specific length of time. Thus it is important to capture funds in a timely manner. The issuing
bank sets the expiration time interval, but most authorizations expire within 5 to 7 days.
The issuing bank does not inform
Cybersource
when an authorization
confirmation expires. By default, the authorization information for each transaction remains
in the Cybersource
database for 180 days after the authorization date. To
capture an authorization that expired with the issuing bank, you can resubmit the
authorization request.