Voice Authorization

A voice authorization is a procedure used in credit card processing, which involves obtaining an authorization code from a credit card issuer by phone. This is typically used when:

  1. a merchant’s electronic terminal cannot read a credit card.
  2. the terminal isn’t working.
  3. the transaction amount is exceptionally high.

The merchant calls their processor’s voice authorization center, provides the necessary transaction information, and receives an authorization code in return. This authorization code confirms that the transaction is approved, and the funds are available.

It is important to note that voice authorization is not a common practice and is usually reserved for exceptional circumstances when electronic authorization is not possible. It is also more time-consuming than electronic authorization, as it involves a phone call and verbal communication of transaction details.

Despite these drawbacks, voice authorization is a valuable tool for merchants to ensure that they can still process transactions in situations where electronic authorization is not possible.