Declined authorization

Authorization for credit card payments using the Merchant Account Service may be declined by the Automated Clearing House (ACH) if the credit card has been recorded as lost or stolen.

When an authorization is declined, the Processed Receipt window appears.

After closing the window, you can:

■	re-enter the payment details (for example, using another credit card)

■	use another payment method (for example, check or debit card)

■	reverse or delete the payment (depending on how your preferences are set up in the Security tab of the Preferences window).

To finalize a declined authorization

1	In the Processed Receipt window, click Close. The payment transaction window reappears.

note : Finalizing authorization for an invoice transaction

When you click Close, a window appears describing your processing options. In this window, click OK to finalize the payment authorization now. The Receive Payments window appears.

2	Choose the appropriate action from the following table:

To...	you need to...
Re-enter the payment details	Repeat the payment processing from step 3 in To enter a credit card payment.
Use another payment method (not credit card)	Go to step 4 in To record money you receive (for a Receive Money transaction) or step 5 in To record payments against invoices (for a Receive Payments transaction).
Reverse (or delete) the payment	Go to the Edit menu and choose Reverse Payment (or Delete Payment). For more information, see Reversing a transaction or Changing or deleting a transaction.
Finalize the payment later	Click Cancel. When you are ready to finalize the payment, you can use one of the actions listed above.

note : Is the sale still applicable?

If the original sale is no longer applicable because of the declined payment, remember to reverse or delete the sales transaction. For more information, see Reversing a transaction or Changing or deleting a transaction.

Related topics

■	Processing credit card payments using Merchant Account Service

■	Timed-out authorization

■	Voiding Merchant Account Service credit card payments