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What is Action 'VO' (Verify Only) in Paymentech Authorization template? (Doc ID 1297117.1)

Last updated on NOVEMBER 04, 2019

Applies to:

Oracle Payments - Version 12.1.1 and later
Information in this document applies to any platform.


IBY_PTK_O_7_2_en.rtf version 120.3.12010000.5 provides an option for $0 authorization for account verification. In the FundsCaptureOrder section of the template, starting at position 82, I see the following:

(OrderAmount/Value) = 0 THEN ‘VF’
ELSIF (LENGTH(PayerCreditCard) > 0) THEN ‘AU’
ELSIF (LENGTH(PayerDebitCard) > 0) THEN ‘PA’
ELSIF (LENGTH(PayerBankAccount) > 0) THEN ‘VO’

And the corresponding Comments are:
Action Code
AU = Authorize
PA = Purchase Authorization
VO = Verify Only
VF = Account Verification

We know that in the case of 'VF' the system will perform an authorization for $0, however we need some further information regarding 'VO'.

Question 1:
Regarding the Action Code 'VO', in the case of Bank Account Transfer, will it authorize the transaction amount in customer's bank account and hold it till settlement?

Question 2:
For ACH transactions, if there is no blocking of money during the Auth step (when record type 31 is created in IBY_TRXN_SUMMARIES_ALL), then:

1. At what point will the money be blocked?
2. Will it happen after we send the settlement file to Paymentech or is there any further delay?


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