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4.7 Pre-Authorisation.
The Pre-Authorisation feature is optional� You may enable or disable this feature by contacting
the Merchant Helpdesk�
A Pre-Authorisation is used to reserve funds on a card for a sale to be processed at a later date�
Car rental companies and hotels/motels most commonly use this function� The funds are not
debited from the cardholder’s account until the nal payment is processed. A Pre-Authorisation
completion must be performed to process the nal payment.
Note:
• Pre-Authorisation transactions can only be performed on scheme credit and debit cards
such as Visa or Mastercard, when the cardholder selects credit, and charge cards such as
AmericanExpress etc and only where you have been authorised to do so.
• It is important that the Pre-Authorisation receipt is retained to enable you to complete
thePre-Authorisation easily. The system retains Pre-Authorisation information for
30calendardays.
• Visa and Mastercard Pre-Authorisations will be held on the customer’s card for a period of up
to 30 days unless the Pre-Authorisation is completed or cancelled� The length of time funds are
held on other card schemes varies depending on the rules set by the cardholder’s issuing bank�
• Refer to the table below for the actions you can perform on a Pre-Authorisation transaction,
byscheme.
Supported Transactions by Scheme
Transaction Type
Visa
Mastercard
American
Express
JCB
Diners Club
China Union
Pay
Domestic
Debit (Sav/
Chq)
Pre-Authorisation
✓ ✓ ✓ ✓ ✓ ✓ ✗
Pre-Authorisation
Completion
✓ ✓ ✓ ✓ ✓ ✓ ✗
Pre-Authorisation
Full Cancellation
✓ ✓ ✗ ✗ ✗ ✓ ✗
Pre-Authorisation
Partial Cancellation
✓ ✓ ✗ ✗ ✗ ✗ ✗
Pre-Authorisation
Extend
✓ ✓ ✗ ✗ ✗ ✗ ✗
Pre-Authorisation
Top-Up
✓ ✓ ✗ ✗ ✗ ✗ ✗
Account Verify
✓ ✓ ✗ ✗ ✗ ✗ ✗