Authorizer
We'll handle authorizing transactions for your prepaid and debit cards through a digital account.
Introduction
You can use our Balance Authorizer to delegate authorization of transactions for your prepaid and debit cards.
We'll manage the available balance and handle transaction authorizations.
Scope
Currently, our Balance Authorizer solution is available in Argentina, Brazil, Colombia, and Mexico.
How does the Authorizer work?
The authorizer allows managing the approval of transactions for prepaid and debit cards through a digital account. For this, you'll need to create the account associated with the card, which will be responsible for maintaining the available balance.
The authorizer will have the capability to receive the card transaction, check the status of the linked account and its balance, to approve or reject the transaction as appropriate.
Creating the digital account
The first step to delegating us the authorization of card transactions is to create a digital account. You must proactively create the account through a request to our APIs.
To create an account, you must have previously created the user.
Upon receiving the request for creating the account, we will validate that you meet this condition and if everything is correct, we will return the account creation ID in the response to the request.
Multi-Currency Authorizer
Pomelo allows you to create accounts in the currencies you choose. This will enable you to authorize a purchase in any of the defined currencies, as long as the total balance is sufficient.
Below, we explain the steps to set up and use the Multi-Currency Authorizer.
👉 Initial Setup
To enable the Multi-Currency functionality, you need to follow these steps:
Inform us which currencies you will use to settle with the brand.
Define a priority order for the currencies you want to use for balance authorizations. This hierarchy applies to all your clients and can be modified at any time by contacting us.
It is not mandatory to include all settlement currencies in the account hierarchy. If a currency is available for settlement but not in the hierarchy, it can only be used for transactions in that specific currency.
For example, if you decide that MXN should be used exclusively for domestic transactions, it might not be in the hierarchy and will only be debited in MXN if the purchase is domestic and the user has a balance in that account.
- You will need to provide the exchange rate you want to use to convert currencies when evaluating an authorization. To do this, you must integrate with our exchange rate API (link pending) and provide the exchange rate for each configured currency pair.
Note: If you work with five currencies, you will need to share the 20 exchange rates that exist for the possible combinations.
👉 Functionality
When we receive an authorization request, we will check if there is an account in the transaction's currency.
- If we know the transaction's currency because it is configured in your client's account, we will attempt to authorize it in that currency.
- If we do not know the currency, we will use the settlement currency informed by the brand in the authorization.
- If there is not enough balance in the currency we attempted to authorize, we will use the exchange rates you provided to evaluate the balances of accounts in other currencies, following the defined hierarchy.
In the case of a reversal, we will attempt to identify the originating transaction.
- If we identify it: we will credit the amount to the account from which the transaction was originally debited, applying the exchange rate originally used.
- If we cannot identify it: we will treat it as a new purchase. We will credit the balance in the currency reported by the brand. If the currency is unknown, we will use the settlement currency.
😉 Visit our Chargebacks section if you're interested in learning how we manage them.