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Overview

Payment authorization is a critical step in the transaction flow where a customer’s payment credentials are validated and checked before capturing the payment. The authorization process helps ensure:
  1. The payment method is valid and active
  2. Sufficient funds are available
  3. The transaction is not suspicious or fraudulent

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Authorization Types

Depending on the payment method and risk level, one or more authorization steps may be required:
  • Card number validation
  • CVV/CVC check
  • Address verification (AVS)
  • 3D Secure authentication
  • Account ownership verification
  • Balance check
  • Account status validation
  • One-time passwords
  • PIN validation
  • Security questions
Authorization requirements vary by:
  • Payment method
  • Transaction amount
  • Geographic region
  • Customer risk profile
Refer to the specific payment method guides for detailed authorization steps and requirements.