2.4     Authorisation

a.You must obtain Authorisation for all Charges according to our Specifications, except for Charges under any applicable Floor Limit for Card Present Charges. Every Authorisation request must include the full Card account number or Token and be for the full amount of the Charge. You may create multiple Charge Records for a single purchase placed on different Cards, if you obtain full Authorisation on each Card.

b.We will have Chargeback rights for any Charge for which Authorisation is not properly obtained, or for which Authorisation was refused, or for which no approval code number was given or properly recorded. Authorisation does not guarantee that we will accept the Charge without exercising our Chargeback rights, nor is it a guarantee that the person making the Charge is the Cardmember or that you will be paid. You must not seek Authorisation on behalf of a third party.

c.Authorisation approvals are valid for seven (7) days after the original Authorisation date. Establishments must obtain a new Authorisation approval if you submit a Charge to us more than seven (7) days from the original Authorisation date, except as otherwise indicated by us. For Charges for goods or services shipped or provided more than seven (7) days after an order is placed, you must obtain Authorisation of the Charge at the time the order is placed, and again at the time you ship or provide the goods or services to the Cardmember.

d.If your POS System is unable to connect to our computer authorisation system for Authorisation or we ask you to do so (i.e., a referral), you must obtain Authorisation for all Charges by calling us at our Authorisation telephone number. We reserve the right to charge you a fee for each Charge for which you request Authorisation by telephone, unless such failure to obtain Authorisation electronically is due to the unavailability or inoperability of our computer authorisation system, or unless prohibited by law.

e.If you are located outside of the EEA, we may assign you a Floor Limit. In the event that any one Charge or series of Charges made on the same day by any one Cardmember at your Establishment is equal to or greater than the Floor Limit established by us, you must, before accepting the Charge, request Authorisation by calling us at our Authorisation telephone number. We reserve the right to change your Floor Limit at any time, and will give you notice of the change and the effective date.

2.4.1      Estimated Authorisation

a.You may only obtain an Estimated Authorisation in the industries listed below. You must obtain the Cardmember's consent to such estimated amount prior to requesting the Authorisation.

b.You must submit the corresponding Charge as soon as you become aware of the full amount to be charged. For any amount of the Charge that exceeds the amount for which you obtained an Authorisation, you must obtain the Cardmember's consent.

c.If the final amount of the Charge is:

i.no greater than the amount for which you obtained Authorisation plus the applicable Estimated Authorisation percentage listed below of that amount, no further Authorisation is necessary; or

ii.greater than the amount for which you obtained Authorisation by more than the applicable Estimated Authorisation percentage listed in the table below of that amount, you must obtain a new Authorisation. If you fail to obtain such Authorisation, or your request for such Authorisation is declined, we will have Chargeback rights for the amount in excess of the original Authorisation amount plus the applicable Estimated Authorisation percentage of that amount. For the avoidance of doubt, we will have Chargeback rights for the final amount of the Charge for reasons other than the failure to obtain an approved Authorisation.