Processing a Mail Order or Telephone Order Pre-Authorization

This section describes how to process a mail order or telephone order (MOTO) pre-authorization request for an initial amount in Cloud mode. The payment card is not physically tapped, inserted, or swiped in the terminal for a MOTO transaction.

A MOTO pre-authorization request places a temporary hold on the customer's payment card, which can be captured at a later time. Most authorizations expire in 5 to 7 days. The issuing bank sets the length of time before expiration. When an authorization expires with the issuing bank, your bank or processor might require you to re-submit an authorization request and include a request for capture in the same message.

Generate a bearer token before sending each request. For more information, see Generating a Bearer Token for Authentication.