
Payflow Pro Developer’s Guide 25
Performing Credit Card Transactions
Submitting Authorisation/Delayed Capture Transactions
transaction information. CVV2 is needed for card security code validation. For details on card
security code, see the following sections:
z “Submitting Card-Present (SWIPE) Transactions” on page 36
z “Card Security Code Validation” on page 37
Submitting Authorisation/Delayed Capture Transactions
An Authorisation (TRXTYPE=A) transaction places a hold on the cardholder’s open-to-buy
limit, lowering the cardholder’s limit by the amount of the transaction. It does not transfer
funds.
A Delayed Capture (TRXTYPE=D) transaction is performed after an Authorisation to capture
the original Authorisation amount. The Delayed Capture is scheduled for settlement during the
next settlement period.
Because Visa and MasterCard regulations prohibit capturing credit card transaction funds until
a product or service has shipped to the buyer, most processing networks implement an
Authorisation transaction followed by a Delayed Capture transaction.
When To Use Authorisation/Delayed Capture Transactions
If your business does not provide immediate fulfillment of products or services, you should
use this two-stage transaction solution, also known as Delayed Capture processing, because it
enables you to capture credit card transaction funds when your are ready to collect them.
N OTE: If you signed up for the PayPal processor with Fraud Protection Services, you must use
delayed capture processing for all sale transactions.
If your business provides immediate fulfillment and you are not using the PayPal processor
with Fraud Protection Services, you can use a simple Sale transaction instead. For details, see
“Submitting Sale Transactions” on page 24. If you need to recharge a credit card and you are
not storing the credit card information in your local database, you can perform a new reference
transaction based on a Sale. For details, see “Submitting Authorisation/Delayed Capture
Transactions” on page 25.
IMPORTANT: Only one Delayed Capture transaction is allowed per Authorisation
transaction.
Required Authorisation Transaction Parameters
To perform an Authorisation transaction, you are required to pass the following parameters:
ACCT
AMT
EXPDATE
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