How does external authorization work?

External authorization enables companies with customer account balances, for example, to contribute to the card transaction authorization process. When a transaction is initiated, an authorization request is sent to the company, which can then apply its own rules and criteria to approve or reject the transaction. This mechanism takes place in real time, requiring a very rapid response. The issuer then receives the company’s decision and completes the authorization process. This approach enables the process to be customized, while maintaining transaction security and integrity.

Features and benefits of external authorization

Customization and control of authorization processes

 

Validate or reject transactions based on customer balance information, for example, before controls return to Treezor, giving you greater control over authorization processes. 

Respond to business requirements and be involved in the decision chain

 

Use the flexibility of external authorization to accurately meet your business’ specificities. Intervene directly in the card payment decision chain, enabling more personalized control adapted to business characteristics.

Why choose Treezor’s external authorization?

1

Participate in real-time decision-making

By enabling its customers to play an active role in card authorization decisions in real time, Treezor facilitates collaboration with regulated entities without a card issuing service or relying on a legacy system. 

2

Tailor-made transaction management

Treezor gives you the opportunity of benefiting from customized authorization processes for your customers’ transactions while complying with your business rules. With external authorization, Treezor offers an innovative approach that opens up new possibilities for personalizing authorization processes and transaction management, giving companies a competitive edge in the marketplace.

Some examples of the use of external authorization

Card balance management

When a payment authorization request is initiated, it is first redirected to your system to check whether the card balance is sufficient to cover the transaction. Once this check has been carried out, the request is sent back to Treezor, which handles the rest of the checks.

 

Participate in security

With our external authorization, you can add additional controls based on your business rules to transactions, taking part in risk prevention.

Discover our technical documentation 

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