credit card gift card balances not authorized properly

Posted by reng on August 9, 2008, 9:39 pm

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We use RMS and PCcharge.

When a customer presents a credit card with a limited balance, for example,
$3.50 remaining, and wants to charge $10.00, it seems RMS (and PCcharge)
together cannot recognize this. When we get our credit card deposit, we can
be short $6.50.

This can be a big potential loss for us. Has anyone else seen this? If so,
is there a solution? I am thinking of putting a $ limit on transactions such
as these - or doing a voice authorization for any transaction over $25.

Posted by Wesley Sanders on August 12, 2008, 11:32 pm

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It shouldn't give you an authorization unless the card had a full
balance at the time. The only possible cause for this would be that
they managed to use the balance of their card before you settled your
batch. However, this would require whomever was accepting the card to
have settled without ever getting an authorization since an
authorization would show what the available balance would be; the
available balance is actual balance minus any authorizations that have
been done. This should be a rare case; has this happened multiple
times or just once?

> We use RMS and PCcharge.

> When a customer presents a credit card with a limited balance, for exampl=

> $3.50 remaining, and wants to charge $10.00, it seems RMS (and PCcharge)

> together cannot recognize this. When we get our credit card deposit, we c=

> be short $6.50.

> This can be a big potential loss for us. Has anyone else seen this? If so=

> is there a solution? I am thinking of putting a $ limit on transactions s=

uch

> as these - or doing a voice authorization for any transaction over $25.