Voice Authorization Definition

Merchant Account Voice Authorization Explained:

What is Voice Authorization? Voice Authorization is a security measure used by the credit card industry to ensure that a particular purchase is being authorized by the actual card-holding customer and not someone else. When a Voice Authorization is initiated by the cardholder’s bank or the merchant account provider, the customer receives a telephone call used to verify that the customer is the one making the purchase.

Voice Authorizations are usually triggered by unusually high dollar amount transactions that deviate from the customer’s or merchant’s normal transaction behavior, but can be caused by other unusual transactions as well. Voice Authorization is done to protect the customer and merchant against fraud; however, the merchant account holder pays the service fee for it. Fees for Voice Authorization vary widely by merchant account provider and are typically either a flat fee or a percentage of the total transaction – the latter usually being much more expensive. Merchants only incur this fee if a Voice Authorization is initiated, and for most merchants it is a rare occurrence.

Voice Authorization Video Explanation

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