Transaction Authorization Resources

Transaction Authorization Resources


Authorization is the process through which a card issuer approves or declines a card transaction. Whether the payment information is accepted in a face-to-face or card-not-present environment, the merchant sends it to the card issuer through the respective Credit Card Association’s (or Discover’s or American Express’, if it is not a bank card) payment processing system and then the card issuer’s response is routed back through the same channel.


Use the resources on this page to learn how the authorization process works, when to request one, how to do it, and how to manage the issuer’s response.


Transaction Authorization Basics


Card Processing BasicsCard Processing Basics


Transaction Authorization ProcessTransaction Authorization Process


Transaction Authorization Guides


Managing the E-Commerce Authorization ProcessManaging the E-Commerce Authorization Process


Managing Card-Present Transaction AuthorizationsManaging Card-Present Transaction Authorizations


Handling E-Commerce Transaction Authorization ResponsesHandling E-Commerce Transaction Authorization Responses


Guidelines for Authorizing Credit Card Transactions at RestaurantsGuidelines for Authorizing Credit Card Transactions at Restaurants


How to Process Zero-Percent-Tip Credit Card Transaction AuthorizationsHow to Process Zero-Percent-Tip Credit Card Transaction Authorizations


How to Manage Chargebacks Resulting from Declined AuthorizationsHow to Manage Chargebacks Resulting from Declined Authorizations


Managing E-Commerce Credit Card Transaction Post-AuthorizationsManaging E-Commerce Credit Card Transaction Post-Authorizations


How to Manage Chargebacks Resulting from Processing Transactions without AuthorizationHow to Manage Chargebacks Resulting from Processing Transactions without Authorization


How to Manage Chargebacks Resulting from Processing Transactions for which Authorization was DeclinedHow to Manage Chargebacks Resulting from Processing Transactions for which Authorization was Declined


How to Manage No Authorization' ChargebacksHow to Manage ‘No Authorization’ Chargebacks


How to Manage Transaction Authorizations for Discover CardsHow to Manage Transaction Authorizations for Discover Cards


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