Authorization request

An authorization request is the operation that allows to accept or refuse a transaction.

It puts the cardholder’s bank (SAE = Issuer Acceptance System) in contact with the merchant’s bank (SAA = Acquirer Acceptance System) and the payment provider: the payment gateway.

When an authorization request is accepted, the authorization limit of the card is lowered by the authorized amount.

In the OSB network, an accepted authorization request is valid for 7 days.

Deferred payment case

When the payment is deferred for more than 7 days, the payment gateway makes an authorization request for 100 XPF in real time to check the card validity.

The day before the capture date, the payment gateway makes an authorization request for the total amount.

If the request is accepted, the payment is captured at the bank on the scheduled date and the merchant can proceed with the delivery of the order.

Otherwise, the payment is refused.

Acceptance of OSB proprietary cards is not compatible with the “Anticipated authorizations” service.