Transaction: Adjust Authorization

RubySDK

• Current Braintree Languages
• Java
• .NET
• Node.js
• PHP
• Python
• Ruby

After creating a transaction, the authorized amount of the transaction can be adjusted.

result = gateway.transaction.adjust_authorization(
    "the_transaction_id",
    :amount => "10.00"
)
if result.success? 
    adjusted_transaction = result.transaction 
else 
    p result.errors 
end

Arguments

Additional Parameters

Mastercard authorization types

Final authorization

Final authorization is the authorization request where the final amount of the transaction is known and does not change before a settlement.

• Hold Period: 7 days
• Authorized amount must be equal to the settlement amount.
• No additional fee on the compliant final authorized amount.
• Non compliant final authorization: 0.25%, $0.04 min.

Pre-authorization

Pre-authorization is an authorization request where the final amount is not known before authorization. It allows merchant to increase or decrease the initially authorized amount.

• Hold Period: 30 days
• Mastercard pre-authorization fee:
  • Card-not-present (CNP) transactions: 0.0125%, a minimum of $0.01 (U.S. Credit card transactions).
  • Card-present (CP) transactions: 0.0075%, a minimum of $0.01 (U.S. Credit card transactions).
• Pre-authorization non compliance fine: $0.045.
• Settlement is allowed for a partial amount.
• Merchant can request for subsequent incremental authorization.

Undefined authorization

An authorization request that is marked neither as final nor pre-authorization is termed undefined authorization. Settlement amount can be different from the originally authorized amount.

• Hold Period: 7 days
• Settlement is allowed for a partial amount.
• Applicable fees are 25 bps ($0.04 min) per transaction in the US and 30 bps ($0.05 min) per transaction in Canada.
• Merchant cannot request for subsequent incremental authorization.

Mastercard over-capture rules

Visa authorization types

Estimated authorization

An estimated authorization is an authorization request and approval that occurs before the merchant knows the final transaction amount. Merchants can secure approved money based on the estimated value of goods or services the cardholder will purchase.

• Authorization amount can increase or decrease before settlement.
• Visa estimated authorization fee: 0.02%.
• Settlement is allowed for a partial amount.
• Merchant can request for subsequent incremental authorization.

The following table lists the estimated authorization validity periods (after approval) for Visa transactions:

Incremental authorization

Visa incremental authorization helps merchants increase the total authorized amount.

• Visa incremental authorization fee: 0.02%.
• Amount in the request is the additional amount the merchant wants to add to the existing authorized amount.
• Merchant may request an incremental authorization any time the authorized amount appears insufficient.
• Merchant may request multiple incremental authorizations for a single transaction.

Non-estimated authorization

Non-estimated authorization, or initial authorization, is a regular Visa authorization without an estimated authorization indicator.

• No final authorization is applicable for Visa.
• Visa allows over-capture or undercapture within permitted limits for eligible MCCs, typically between 15% and 20% of the authorized amount, depending on the MCC.

Rules for estimated authorization and incremental authorization

Estimated authorization

Incremental authorization

Visa over-capture rules

American Express authorization types

Estimated authorization

Estimated authorization is an authorization transaction when the final amount of the transaction is not known. The merchant can increase the authorization amount in case the original authorization amount is insufficient.

• Authorization amount can increase or decrease before settlement.
• Settlement is allowed for partial amount.
• Fees: There is no additional fee for Amex estimated authorization.

Incremental authorization

Incremental authorization allows merchants to request an increase in the amount of a previously approved estimated authorization. 

• Merchant may request multiple incremental authorizations for a single transaction.
• Fees: There is no additional fee for Amex incremental authorization.

MCC based rules for Amex authorization adjustments: