PeptidesPayments
Full glossary
Accounts

Authorization

The step where a customer’s bank confirms a card is valid and places a hold on the amount.

Authorization is the moment the issuing bank confirms a card is valid and has available funds, placing a temporary hold for the purchase amount. It approves the sale but does not yet move money.

Money actually moves later, at capture and settlement. Understanding the gap between authorization and capture prevents confusion over pending charges and holds.

Pre-qualify

Secure, compliant, reliable —let's get you paid.

Tell us about your business and a specialist will reach out with the payment solutions that fit — cards, ACH, eCheck, crypto, and offshore.

  • No cost and no credit pull to pre-qualify.
  • Your information is never shared with third parties.
  • A specialist reviews every application personally.

Have your documents ready? Submit the full merchant application to go straight to underwriting.

No cost, no credit pull, and your information is never shared with third parties.