Authorization Expiry

Overview

Astrada does not receive real-time authorization expiry information, and the standards for expiry vary by both processor and network. Based on industry observations, we have compiled a heuristic guide to help you determine when it is safe to consider an authorization as expired in 99.9% of cases.

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Important Note: Fallbacks

We advise that all customers implement a mechanism to 'unexpire' an authorization if a subsequent message for the transaction is received.

Authorization Expiry Heuristic

Use the following guidelines to determine authorization expiry timelines:

Merchant Category Code (MCC)Authorization AmountExpected Expiry
5542 or 5541 (Fuel Stations)$0 or $11 day
3501-3790, 7011 (Hotels)Any30 days
3351-3441 (Rental Cars)Any30 days
5960-5969 (Mail Order)Any30 days
4411 (Cruise Lines)Any30 days
All Other MCCsAny7 days

Best Practices

  • Unexpiring Authorizations: Ensure your system can reopen or extend an authorization window if a subsequent transaction message is received.
  • Edge Cases: The above guidelines cover 99.9% of cases. Certain networks or processors may have outliers, so consider adding flexibility for edge cases.