Access a flexible payment authorization framework

Simplify payment authorization with our authorization solutions that let you authorize and secure funds for estimated transactions and extend approved authorizations.

Unlock more revenue

Ease payment friction and help ensure valid transactions with flexible authorizations from Visa.

Increase revenue opportunities

Secure funds before the final amount is known and use incremental authorizations for frictionless upsells.

Help avoid bad debt

Run checks to confirm a transaction is valid before goods or services are received.

Avoid re-authorization declines and lost revenue

Extend authorizations for transactions that take longer to fulfill.

Our authorization solutions

Help boost authorizations and root out re-authorizations with reliable Authorization solutions.

Estimated Authorization

Allows merchants to authorize and secure an estimated amount before goods or services are consumed, ease friction at checkout and drive upsell opportunities.

Extended Authorization

Lets merchants extend the validity of approved authorizations for up to 30 days to avoid reauthorizations and potential declines for transactions that take longer to fulfill.

Enhanced Authorization – Merchant-Initiated Transactions (MITs)

Enables merchants to improve authorization rates, lower costs and enhance transaction integrity — all while reducing the need to manage complex transaction ID data requirements.

Benefits for merchants and acquirers

Increase your revenue opportunities, while creating more customer loyalty.

For merchants

Leverage a flexible authorization framework to avoid bad debt and help improve authorization rates:

• Improve revenue and avoid bad debt by securing funds before the final transaction amount is known
• Drive upsell opportunities by securing approved funds before the final amount is known
• Reduce payment complexity and increase operational efficiency

For acquirers

Enhance your payment offering with advanced authorization tools and services:

• Attract and retain merchant clients through value-added features
• Facilitate innovation with an authorization framework tailored to merchants’ needs
• Help merchants avoid bad debt by securing funds up front and reducing exposure to insufficient funds

Explore our products

Tap into innovation and improve transactions with our payment tools.

Verification

Trust in our accurate cardholder verification before and during processing.

Lifecycle management

Maximize revenue and avoid lost sales by keeping stored credentials updated.

Reporting

Reduce operational costs and time by streamlining reporting across payment types, processors and geographies.

Build the payment solutions you want with Visa