What is an Authorization Response?

An authorization response is an issuing financial institution’s electronic message reply to an authorization request, which may include:

APPROVAL – The transaction was approved.
DECLINE – The Transaction was not approved.
REFERRAL – Response pending more information, Merchant must call the toll-free authorization phone number.

Electronic Merchant Systems Payment Processing Glossary :

Defining key payment processing and merchant services industry terms to help business owners make better decisions.




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