Completing a Transaction

When the transaction is completed (i.e., when customer checks out of the hotel / motel or returns the car) and the final transaction amount is determined, the following will apply:

• If the final transaction amount does not exceed the merchant's floor limit, the merchant is not required to obtain an authorization, but it must check the account number against the international Warning Notice or the Electronic Warning Bulletin.
• If the final transaction amount does not exceed the merchant's estimated amount by 15%, the merchant is not required to request a secondary authorization. The initial authorization guarantees the full amount of the transaction.
• If the final transaction amount exceeds the merchant's estimated amount by 15%, the merchant must request a secondary authorization on the additional amount.
• If the final transaction amount exceeds the merchant's applicable floor limit, but a previous authorization was not received because the merchant's estimate did not exceed its applicable floor limit, the merchant must obtain an authorization for the full amount of the transaction.

If the card issuer declines a subsequent authorization request, the merchant is guaranteed the cumulative amount of previous authorizations, plus 15%.

If a pick-up-card response is received in response to a subsequent authorization request, the merchant must pick up the card. The merchant is guaranteed the cumulative amount of the previous authorizations, plus 15%.