Final Authorization Indicators

The purpose of this feature is to ensure that unused funds are reversed, so that a customer's funds are available again when an order is not fulfilled.

For an authorization with an amount greater than zero, indicate whether the authorization is a final authorization, a pre-authorization, or an undefined authorization.

For an authorization with an amount greater than zero, indicate whether the authorization is a final authorization or a pre-authorization.

You can set a default authorization type in your account. To set the default authorization type in your account, contact customer support.

Chargeback protection is in effect for seven days after the authorization.

Supported Processors

These processors support final authorization indicators:

Processor	Card Type Restriction	Notes
Barclays	—	—
Chase Paymentech Solutions	Mastercard and Maestro (International) only	Does not support this feature for Maestro (UK Domestic).
Chase Tandem	—	—
Elavon	—	—
Elavon Americas	Mastercard only	—
FDC Compass	—	—
FDC Nashville Global	—	—
FDI Australia	—	—
FDMS Nashville	—	—
GPN	—	—
HBoS	—	—
HSBC	—	—
Lloyds-OmniPay	—	—
LloydsTSB Cardnet	—	—
OmniPay Direct	—	Supported acquirers: Bank of America Merchant Services, Cardnet International, First Data Merchant Solutions (Europe), and Global Payments International Acquiring.
SIX	—	—
Streamline	—	—
TSYS Acquiring Solutions	—	—
Visa Platform Connect	—	—
Worldpay VAP	—	Worldpay VAP sets the indicator. You do not need to send a final authorization indicator when using the API.

Chase Paymentech Solutions: Mastercard and Maestro (International) only. Does not support this feature for Maestro (UK Domestic).
Elavon Americas: Mastercard only.
FDC Nashville Global
Streamline
Worldpay VAP: Worldpay VAP sets the indicator. You do not need to send a final authorization indicator when using the API.

Barclays

TSYS Acquiring Solutions

Supported Services

These services are supported:

Authorization: supported for all processors
Incremental authorization: supported for Barclays, Chase Paymentech Solutions, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, GPN, HBOS, HSBC, Lloyds-OmniPay, LloydsTSB Cardnet, Omnipay Direct, TSYS Acquiring Solutions, Visa Platform Connect, Worldpay VAP processors

Authorization: supported for all processors
Incremental authorization: supported for Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, TSYS Acquiring Solutions, Visa Platform Connect, Worldpay VAP processors

Authorization
Incremental authorization

Authorization

Authorization
Incremental authorization

Authorization
Incremental authorization

Supported Card Types

These card types are supported:

Maestro (International)
Maestro (UK Domestic)
Mastercard

Co-badged Mastercard and mada cards are also supported, but only on Visa Platform Connect. You must identify the card type as Mastercard.

Requirements for Final Authorizations

For a final authorization:

The authorization amount must be greater than zero.
The authorization amount must be the final amount that the customer agrees to pay.
The authorization should not be cancelled after it is approved except when a system failure occurs.
The authorization must be submitted for capture within seven calendar days of its request.
The capture amount and currency must be the same as the authorization amount and currency.

Pre-Authorizations

Supported Processors: AIBMS, American Express Direct, Banque de France et Tresor Public, Barclays, BNP Paribas France, Chase Paymentech Solutions, Chase Tandem, China UnionPay, Cielo, Comercio Latino, Credit Mutuel-CIC, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, Getnet, GPN, HBoS, HSBC, JCN Gateway, LloydsTSB Cardnet, Lloyds-OmniPay, Moneris, National Payment Gateway, OmniPay Direct, Prosa, Rede, RuPay, SIX, Streamline, TSYS Acquiring Solutions, Vero, , Worldpay VAP

Supported Processors: Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, Streamline, , Worldpay VAP

Supported Processors: Barclays

Supported Processors: TSYS Acquiring Solutions,

Supported Processors:

A pre-authorization enables you to authorize a payment when the final amount is unknown. The system places the funds on hold until you request a follow-up transaction. Pre-authorizations are typically used for lodging, auto rental, e-commerce, and restaurant transactions.

When you have a specific merchant category code (MCC) assigned to your account, you are allowed to capture up to 20% more than the cumulatively authorized amount on Visa, Diners Club, Discover, and JCB cards. Contact your account manager to have your account enabled for this option.

National Payment Gateway: the pre-authorization lasts for 14 calendar days unless you capture the payment, void it, or extend it. After 14 days, if you do not request a follow-up transaction, the system releases the hold and the funds become available to the cardholder again.

For all processors except for China UnionPay a pre-authorization:

The authorization amount is greater than zero.
Submit the authorization for capture within 30 calendar days of its request.
When you do not capture the authorization, reverse it. In the US, Canada, Latin America, and Asia Pacific, Mastercard charges an additional fee for a pre-authorization that is not captured and not reversed. In Europe, Russia, Middle East, and Africa, Mastercard charges fees for all pre-authorizations.
Chargeback protection is in effect for 30 days after the authorization.

China UnionPay: a pre-authorization:

The authorization amount is greater than zero.
Submit the authorization for capture within 30 calendar days of its request
After 30 calendar days, the customer bank (issuer) releases the hold on the authorized amount.
Send a new authorization request to claim the amount

For a pre-authorization:

The authorization amount is greater than zero.
Submit the authorization for capture within 30 calendar days of its request.
When you do not capture the authorization, reverse it. In the US, Canada, Latin America, and Asia Pacific, Mastercard charges an additional fee for a pre-authorization that is not captured and not reversed. In Europe, Russia, Middle East, and Africa, Mastercard charges fees for all pre-authorizations.
Chargeback protection is in effect for 30 days after the authorization.

Unmarked Authorizations

Supported Processors: Barclays, Chase Paymentech Solutions, Chase Tandem, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, GPN, HBoS, HSBC, Lloyds-OmniPay, LloydsTSB Cardnet, OmniPay Direct, SIX, Streamline, TSYS Acquiring Solutions, , Worldpay VAP

Supported Processors: Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, Streamline, , Worldpay VAP

Supported Processors: Barclays

Supported Processors: TSYS Acquiring Solutions,

Supported Processors:

An authorization is unmarked when the default authorization type is not set in your account and you do not include the processingInformation.authorizationOptions.authIndicator field in the authorization request. To set the default authorization type in your account, contact customer support.

Unmarked authorizations are supported only in the US, Canada, Latin America, and Asia Pacific. They are not supported in Europe, Russia, Middle East, and Africa.

does not set a mark or indicator for the type of authorization in the request that is sent to the processor.

Chase Paymentech Solutions: Supported for Mastercard and Maestro (International) only. Chase Paymentech Solutions does not support this feature for Maestro (UK Domestic).

Elavon Americas: Supported for Mastercard only.

Requirements for Unmarked Authorizations

For an unmarked authorization:

The authorization amount must be greater than zero.
The authorization amount can be different from the final transaction amount.

Undefined Authorizations

OmniPay Direct: the supported acquirers are Bank of America Merchant Services, Cardnet International, First Data Merchant Solutions (Europe), and Global Payments International Acquiring
Worldpay VAP: this processor sets the indicator. You do not need to send a final authorization indicator when using the API.

Supported Processors: Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, Streamline, , Worldpay VAP

Worldpay VAP: this processor sets the indicator. You do not need to send a final authorization indicator when using the API.

Supported Processor: Barclays

Supported Processors: TSYS Acquiring Solutions,

Supported Processor:

An authorization is undefined when you set the default authorization type in your account to undefined and do not include the authIndicator field in the authorization request. To set the default authorization type in your account, contact customer support.

Undefined authorizations are supported only in the US, Canada, Latin America, and Asia Pacific. They are not supported in Europe, Russia, Middle East, and Africa.

Chargeback protection is in effect for seven days after the authorization.

Requirements for Undefined Authorizations

For an undefined authorization:

The authorization amount must be greater than zero.
The authorization amount can be different from the final transaction amount.
The authorization should not be cancelled after it is approved except when a system failure occurs.
The authorization must be submitted for capture within seven calendar days of its request.
When you do not capture the authorization, you must reverse it; otherwise, Mastercard charges an additional fee for the transaction.

Endpoints

POST /pts/v2/payments

Example

{  "orderInformation": {    "billTo": {      "firstName": "RTS",      "lastName": "VDP",      "address1": "201 S. Division St.",      "postalCode": "48104-2201",      "locality": "Ann Arbor",      "administrativeArea": "MI",      "country": "US",      "email": "[email protected]"    },    "amountDetails": {      "totalAmount": "100.00",      "currency": "usd"    }  },  "paymentInformation": {    "card": {      "expirationYear": "2031",      "number": "CARD_NUMBER",      "expirationMonth": "12",      "type": "001"    }  },  "processingInformation": {    "authorizationOptions": {      "authIndicator": "1"    }  }}

{    "_links": {        "authReversal": {            "method": "POST",            "href": "/pts/v2/payments/6910040807416719003955/reversals"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/6910040807416719003955"        },        "capture": {            "method": "POST",            "href": "/pts/v2/payments/6910040807416719003955/captures"        }    },    "clientReferenceInformation": {        "code": "1691004080800"    },    "id": "6910040807416719003955",    "orderInformation": {        "amountDetails": {            "authorizedAmount": "100.00",            "currency": "usd"        }    },    "paymentAccountInformation": {        "card": {            "type": "001"        }    },    "paymentInformation": {        "card": {            "type": "001"        }    },    "pointOfSaleInformation": {        "terminalId": "111111"    },    "processorInformation": {        "approvalCode": "888888",        "networkTransactionId": "123456789619999",        "transactionId": "123456789619999",        "responseCode": "100",        "avs": {            "code": "X",            "codeRaw": "I1"        }    },    "reconciliationId": "67628631TKRG2OVE",    "status": "AUTHORIZED",    "submitTimeUtc": "2023-08-02T19:21:20Z"}

Required Fields

These fields are required for a final authorization request:

Field	Description
`orderInformation.amountDetails.currency`	For RuPay HDFC: Set the value to `INR`. For Vero: Vero supports Brazilian real (BRL) currency only.
`orderInformation.amountDetails.totalAmount`	—
`orderInformation.billTo.address1`	—
`orderInformation.billTo.administrativeArea`	—
`orderInformation.billTo.country`	—
`orderInformation.billTo.email`	—
`orderInformation.billTo.firstName`	—
`orderInformation.billTo.lastName`	—
`orderInformation.billTo.locality`	—
`orderInformation.billTo.postalCode`	—
`paymentInformation.card.type`	—
`paymentInformation.card.expirationMonth`	—
`paymentInformation.card.expirationYear`	—
`paymentInformation.card.number`	—
`processingInformation.authorizationOptions.authIndicator`	Set the value to `0` for pre-authorizations, or to `1` for final authorizations. Chase Paymentech Solutions, Chase Tandem, Elavon, Elavon Americas, FDC Compass, FDC Nashville Global, FDI Australia, FDMS Nashville, GPN, HBoS, HSBC, Lloyds-OmniPay, LloydsTSB Cardnet, OmniPay Direct, TSYS Acquiring Solutions, , Worldpay VAP: Do not include this field for unmarked or undefined authorizations. Set the value to `0` for pre-authorizations, or to `1` for final authorizations. Chase Paymentech Solutions, Elavon Americas, FDC Nashville Global, TSYS Acquiring Solutions, , Worldpay VAP: Do not include this field for unmarked or undefined authorizations. Set the value to `0` for pre-authorizations, or to `1` for final authorizations. Set the value to `0` for pre-authorizations, or to `1` for final authorizations. TSYS Acquiring Solutions, , Worldpay VAP: Do not include this field for unmarked or undefined authorizations. Set the value to `0` for pre-authorizations, or to `1` for final authorizations. : Do not include this field for unmarked or undefined authorizations.

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Last published: September 29, 2026