Transactional Terms

In order for you to better enjoy the features available in our API, it is important to first understand some of the concepts involved in the process of a credit card transaction:

Step	Description
Authorization	Makes the process of a credit card sale possible. The authorization (also called pre-authorization) only earmarks the customer's fund, not yet releasing it from their account.
Capture	Moves the transaction out of the pending state, so that the charging can take effect. The time limit for capturing a pre-authorized transaction varies between acquirers, reaching up to 5 days after the pre-authorization date.
Automatic Capture	Authorizes and captures the transaction at the same time, exempting the merchant from sending a confirmation.
Cancellation	Cancels the sale on the same day of its authorization/capture. In case of an authorized transaction, the cancellation will release the limit of the card that has been earmarked. If the transaction has already been captured, the cancellation will undo the sale, but only if executed on the same day.
Refund	Cancels de sale on the day after its capture. The transaction will be submitted to the chargeback process by the acquirer.

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An authorized transaction only generates credit to the merchant after being captured.

Some of the important features that we offer for your transactions are listed below:

Term	Description
Antifraude	A feature which consists in a fraud prevention platform, that provides a detailed risk analysis of online purchases. The process is fully transparent to the cardholder. According to a pre-established criteria, the request can be automatically accepted, rejected or redirected for manual review. For further information, refer to the Antifraude integration guide.
Autenticação	A process which allows the transaction to pass through the card issuing bank authentication process, bringing more security to the sale as it transfers the risk of fraud to the issuer. For further information, refer to the 3DS 2.2 Authentication documentation.
Cartão Protegido	A platform that offers secure storage of sensitive credit card data. This data is transformed into an encrypted code called "token", which can be stored in a database. With this platform, the store is able to offer features such as "1-Click Purchase" and "Transaction Submission Retry", while preserving the integrity and confidentiality of that data. For further information, refer to the Cartão protegido (Card Vault) integration guide.