Charge Authorization

For ACH payments (i.e. bank_debit and bank_debit_cnp charge types), proper authorization must be obtained from the customer to comply with the appropriate regulations.

Authorization should be obtained during checkout, and before the charge is authorized on the API; calling authorize on a charge indicates that the customer has given authorization.

Ecommerce

The simplest form authorization can take is adding some language near the checkout/pay button on the order. Suggested language:

By clicking the button above, you authorize {MerchantName} to electonically debit your {paymentSource.Label} for ${charge.amount}.

{MerchantName} should either be the ‘display name’ associated with the merchant (business name/DBA) or the name of the licensed entity. Preferrably, the name the users identifies the merchant as.

The resulting message would read, for example:

By clicking the button above, you authorize BestMerchant to electonically debit your BankFI, NA. checking ending in 1234 for $105.35.

If you wish to use custom language or authorization methods, please contact Stronghold.

In Store

Please contact your account representative for information on how authorization works with your integration.