Authorizers

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

Authorizer Exchange#

Online Payment 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, Online Payment 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 Online Payment:

  • Do not change the authorizer

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

  • Change the authorizer

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

  • Block transactions with authorizer exchange

Online Payment 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 Online Payment 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 Online Payment#

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 Online Payment 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 Online Payment.

The "Code" column corresponds to the authorizer_id parameter.

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

It is also possible to identify the authorizer_id of the Authorizer registered for the merchant, by accessing the Online Payment-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.

"Autorizadoras cadastradas para a loja."

Remembering that authorizers are always associated with a Routing in Online Payment BackOffice.

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