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.
| Code | Authorizer | HTML | REST |
|---|---|---|---|
| 1 | VISA |  | |
| 2 | MASTERCARD | | |
| 3 | AMERICAN EXPRESS | | |
| 4 | MULTICHECK | | |
| 5 | HIPER | | |
| 6 | AURA | | |
| 7 | ITAÚ SHOPLINE | | |
| 8 | BRADESCO TRANSFERÊNCIA | ||
| 9 | BANCO IBI | | |
| 12 | CABAL | | |
| 13 | POLICARD | | |
| 15 | BIGCARD | | |
| 16 | SUPERCARD | | |
| 17 | EXCARD | | |
| 18 | EDMCARD | | |
| 19 | COOPER CARD | | |
| 20 | CREDMAIS | | |
| 21 | DACASA | | |
| 22 | CREDISHOP | | |
| 23 | OBOÉ | | |
| 24 | SMARTSHOP | | |
| 25 | ACCREDITO | | |
| 26 | COOPLIFE | | |
| 27 | PAGGO | | |
| 28 | VALECARD | | |
| 29 | SOROCRED | | |
| 30 | MAXICRED | | |
| 31 | CREDSYSTEM | | |
| 32 | TREDENEXX | | |
| 33 | DINERS | | |
| 34 | BANESE | | |
| 35 | SICREDI | | |
| 36 | MULTIALIMENTAÇÃO | | |
| 37 | MULTICASH | | |
| 40 | FORTBRASIL | | |
| 41 | ELO | | |
| 42 | GOODCARD | | |
| 43 | JCB | | |
| 44 | DISCOVER | | |
| 45 | CHINA UNION PAY | | |
| 46 | CREDZ | | |
| 47 | AGIPLAN | | |
| 48 | VEROCHEQUE | | |
| 49 | SAVEGNAGO | | |
| 50 | MASTERCARD ALIMENTAÇÃO | | |
| 51 | MASTERCARD REFEIÇÃO | | |
| 52 | TRICARD | | |
| 53 | ABASTECE AÍ | | |
| 59 | PERSONAL CARD | | |
| 60 | MUFFATO | | |
| 61 | BRASILCARD | | |
| 70 | TICKET REFEIÇÃO | | |
| 71 | TICKET ALIMENTAÇÃO | | |
| 72 | TICKET CAR | | |
| 73 | TICKET CULTURA | | |
| 74 | TICKET FLEX | | |
| 75 | TICKET SUPERFLEX | | |
| 81 | BRADESCO BOLETO | ||
| 82 | BRADESCO CARTÃO | ||
| 83 | BRADESCO FINANCIAMENTO | ||
| 86 | MARISA PRIVATE LABEL | | |
| 100 | WAPPA REFEIÇÃO | | |
| 101 | WAPPA ALIMENTAÇÃO | | |
| 115 | BRADESCARD PRIVATE LABEL | | |
| 116 | COMPCARD | | |
| 122 | PAN | | |
| 127 | CARTÃO PRESENTE MARISA | | |
| 160 | ORBITALL | | |
| 161 | E-COMMERCE PERNAMBUCANAS | | |
| 162 | CLUB+ | | |
| 163 | CARTÃO VUON PRIVATE LABEL | | |
| 192 | AVISTA CREDITO | | |
| 193 | CAMPEÃO PRIVATE LABEL | | |
| 201 | VISA PRIVATE LABEL | | |
| 202 | MASTERCARD PRIVATE LABEL | | |
| 203 | PEELA (GIFT) | | |
| 206 | RENNER REALIZE | | |
| 207 | VR ALIMENTAÇÃO | | |
| 209 | VR REFEIÇÃO | | |
| 210 | VR AUTO | | |
| 211 | VR CULTURA | | |
| 218 | HUG (GIFT) | | |
| 221 | VISA ELECTRON (DÉBITO) | | |
| 222 | VISA PRÉ-PAGO | | |
| 223 | ALELO CULTURA | | |
| 224 | ALELO REFEIÇÃO | | |
| 225 | ALELO ALIMENTAÇÃO | | |
| 245 | COOPERCARD CULTURA | | |
| 246 | COOPERCARD ALIMENTAÇÃO | | |
| 250 | COOP FACIL PRIVATE LABEL | | |
| 266 | CASSOL PRIVATE LABEL | | |
| 267 | EXTRABOM | | |
| 271 | VERDECARD PRIVATE LABEL | | |
| 279 | SODEXO VALE CULTURA | | |
| 280 | SODEXO VALE ALIMENTAÇÃO | | |
| 281 | SODEXO VALE REFEIÇÃO | | |
| 282 | SODEXO GIFT | | |
| 283 | SODEXO PREMIUM | | |
| 284 | SODEXO COMBUSTÍVEL | | |
| 285 | BANESCARD | | |
| 286 | MASTERCARD DÉBITO | | |
| 287 | KOERICH | | |
| 288 | ELO DÉBITO | | |
| 289 | VALECARD VOUCHER | | |
| 300 | SAFETYPAY | | |
| 400 | PAYPAL | | |
| 401 | BCASH | | |
| 402 | MERCADO PAGO | | |
| 403 | PAGSEGURO | | |
| 404 | BANCO DO BRASIL BOLETO | | |
| 405 | GOOGLE PAY | | |
| 406 | VISA CHECKOUT | | |
| 407 | MASTER PASS | | |
| 408 | BANCO DO BRASIL TRANSFERÊNCIA | | |
| 409 | ALELO AUTO | | |
| 411 | BANRI COMPRAS À VISTA | | |
| 412 | BANRI COMPRAS PARCELADO | | |
| 413 | BANRI COMPRAS PRÉ-DATADO | | |
| 414 | CASA SHOW | | |
| 415 | BANCO DO BRASIL DÉBITO PF | | |
| 416 | BANCO DO BRASIL DÉBITO PF E PJ | | |
| 417 | BANCO DO BRASIL CREDIÁRIO | | |
| 430 | SENFF | | |
| 431 | VEE | | |
| 434 | BRASIL CONVÊNIOS | | |
| 440 | PIX | | |
| 441 | VEGAS CARD CRÉDITO | | |
| 442 | VEGAS CARD DÉBITO | | |
| 443 | VEGAS CARD ALIMENTAÇÃO | | |
| 444 | VEGAS CARD REFEIÇÃO | | |
| 445 | BRADESCARD VOUCHER | |
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://esitef-homologacao.softwareexpress.com.br/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.