jzw95
18 May 2018 14:04
2
This was Ian’s response when someone asked about extending the hold to 30 days. Worth reading the full post, lots of good details about the issues around how authorisations work (and don’t work):
As much as I understand the thought process behind this, it wouldn’t really work in practice
We’d end up in a situation where extending the authorisation expiry to 30 days would leave a lot of people stuck without access to their money in cases where it genuinely should have been reversed and available for them to use; one example would be where a merchant has declined a payment at the point of sale, despite us receiving the authorisation request and approving it on our end. It wouldn’t really be fair for us to keep a hold on this money for 30 days in this kind of scenario. Sure, they could get in touch with COps to release the hold on it, but this would drive a pretty substantial increase in the workload for COps that really could be better addressed through design to make things clearer in the first place.
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