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
Transaction Authorization Guides
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