Authorizers

Carat Portal has the concept of Authorizer, that can represent a card issuer, an online bank payment service or some other Carat Portal method. Examples: Visa, Mastercard, American Express, Itaú Shopline, PayPal, PagSeguro, etc.

Authorizer Exchange

Carat Portal allows the merchant to set up the payment method responsible for authorizing transactions for a particular card brand. For example, a merchant may prefer that Visa card transactions be routed by Cielo while Mastercard cards are routed through Cielo.

This flexibility for routing configuration gives the merchant the ability to handle promotions according to the card brand.

Thinking about how to prevent a customer from selecting the Visa card brand, but end up entering the number of a Mastercard card, Carat Portal provides a verification and exchange mechanism of the Authorizer who will process the authorization of the transaction.

When it is detected that the customer has selected one card brand but has informed one card of another, the merchant may choose three actions to be taken by Carat Portal:

• Do not change the authorizer

Carat Portal takes no action, usually following the payment process. This is the default option adopted by Carat Portal for merchants that do not require anything about changing Authorizers during payment.

• Change the authorizer

Carat Portal goes through the payment process, but exchanges (for information purposes) the Authorizer responsible for the card used.

• Block transactions with authorizer exchange

Carat Portal denies the payment transaction when the card entered by the customer does not match the chosen Authorizer. For example, a Visa card payment is chosen but a Mastercard card is entered.

All of these settings are made in the Carat Portal backoffice administration system.

The merchant can inform upon registration which action option would prefer to be configured, as well as may contact in the future asking to change the setting.

Authorizer codes on Carat Portal

These codes can be altered in the future, and more authorizer codes can be added without previous warning.

IMPORTANT: The authorizers that can be used on Carat Portal depend on the possibilities provided by the acquirer selected by the Merchant.

Example: if the merchant has an agreement with the Cielo acquirer and it assured payments via Visa credit card, the option Visa routed by Cielo will be possible on Carat Portal.

The "Code" column corresponds to the authorizer_id parameter.

It is also possible to identify the authorizer_id of the Authorizer registered for the merchant, by accessing the Carat Portal-Portal through the site http:///e-sitef-loja (for homologation environment).

In the ID column as shown in the figure below, we have the value of authorizer_id.

Remembering that authorizers are always associated with a Routing in Carat Portal BackOffice.

This Routing defines, for example, the acquirer responsible for routing credit transactions.