Bank of America Gateway Transaction Support by Integration Method

An authorization puts a temporary hold on the cardholder's credit card for the amount of the transaction.

An authorization reversal releases the hold that the authorization placed on the customer’s credit card funds. Authorization reversals must be submitted prior to initiating a capture, otherwise the transaction must be voided if it needs to be cancelled.

A capture transaction signals to the Bank of America Gateway to send a previously authorized transaction for settlement. The capture amount may be different from the authorized amount. Bank of America requires a capture for each authorization transaction prior to sending the transaction to the card networks for settlement.

The ability to authorize and settle transactions related to drug stores and pharmacies which qualify as medical expenses (including over-the-counter eligible healthcare items.)

Used to request an additional amount if the original authorization amount is insufficient. Incremental authorizations give merchants flexibility to increase the authorized amount as additional charges accrue.

▪ Business/corporate cards are given by businesses to employees for business-related expenses such as travel and entertainment or for corporate supplies and services.

▪ Purchase/procurement cards are used by businesses for expenses such as supplies and services. These cards are often used as replacements for purchase orders.

Level III data includes additional line-item details about the purchase. It can include details on the items, quantity, and other order information.

An authorization for an amount less than the total amount requested by a merchant for a transaction. When a partial amount is authorized, the capture is not processed. This enables use of a second card/payment method to cover the balance.

Return of a portion of the total transaction amount to the cardholder.

A debit transaction sent to a PIN debit network that does not include a PIN.

Automatic payments that occur when a cardholder agrees to make repeated payments to a merchant, often through credit card, on a set schedule.

A transaction used to negate or cancel a transaction that has not already been completed/settled.

A sale is authorization + capture.

A void transaction prevents the Bank of America Gateway from submitting a previous sale (payment + capture), capture, refund, or credit transaction for settlement. A void transaction will only be successful if received before the next batch interval time, otherwise a refund request should be submitted.