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How to Complete a Pre-Authorisation Transaction
When you have calculated the final bill for your customer, you need to complete the sale
with a final payment. It is recommended that you complete an imprinted sales voucher
with an itemised bill and obtain the customer’s signature. This is to protect you in the
event that your customer disputes the transaction. The Voucher should be retained for a
period of 30 months or other period as required by Law or stated by ANZ.
The completion amount should be within 15% of the Pre-Authorisation Transaction. If the
completion amount varies by greater than 15%, the terminal will display an ‘AMOUNT NOT
MATCHED’ screen. In this instance, process a completion transaction to the value of the
Pre-Authorisation, then obtain another authorisation and complete another purchase
transaction for the difference. Please note that Visa Card schemes require the completion
amount of a car rental transaction must be within 15% of the Pre-Authorisation
Transaction or US$75.00.
You must send your completion transaction within
three days
of the Pre-Authorisation for
Visa and Master card transactions.
For UnionPay card transactions you must send the completion transaction within
30 days
of pre-authorisation.
NOTE:
The examples above act as a guide only. Please remember that Pre-Authorisation places
cardholder funds on hold for a time determined by the Card Issuer.
These rules relate to the Visa International Scheme. MasterCard rules around the lodging,
cruise line, and vehicle rental states that the pre-authorisation completion amounts should
be within 15% of the Pre-Authorisation Transaction. If the completion amount varies by
greater than 15%, you must request a secondary authorization for the additional amount.
