Authorizations

An authorization obtains approval to hold funds on a card account. Generally, an authorization request is received via card network when the cardholder uses the card at the merchant location (e.g., store, ATM, online). However, there are situations in which you can manually initiate an authorization request by providing key elements in order to receive an approval code. By doing so, the authorized funds are put on hold and decrease open to buy balance on the card account.