Transaction Types - Nuvei Documentation

The table below lists the most common types of transactions with descriptions processed in the Nuvei system.

Transaction Type	Description	Notes
Auth (Authorization)	A request made by the merchant to the Gateway to check the availability of a required amount of funds for a specific credit card and reserve it for a subsequent Settle. If the authorization is approved, the issuer bank returns an authorization code and the amount of the authorization. No funds are collected during an authorization. Authorizations are requests to verify that sufficient funds are available and reserved for when the transaction is cleared.	For this transaction type, funds should not be collected from or credited to the user balance unless the transaction was cleared. This is a financial transaction.
Pre-authorization	A request, available for Mastercard only. It gives an initial approval for a transaction and allows merchants to settle transaction within 28 days. Pre-authorization is mandatory for partial settle transactions.
Settle	A request instructing the Gateway to transfer funds, previously reserved in an Auth transaction, from the customer’s bank account to the merchant’s bank account. This transaction is always preceded by an Auth Transaction.	This is a financial transaction.
Multiple Settle	For transactions involving multiple items where only some of the transactions from a group authorization can be completed, for example, when only two out of three items are available for sale.
Sale	A request combining both the Auth and Settle transactions that instructs the Gateway to perform both actions, one after the other: query the bank for authorization and, upon approval, immediately settle the transaction.	This is a financial transaction.
Sale3D	A transaction in which the Gateway determines if the transaction should be processed as a 3D or non-3D Secure transaction. After determining how the transaction should be routed, the Gateway processes the transaction through the bank.
Credit	A request instructing the Gateway to refund a previously settled transaction. There are two types of credits: • Refunds: When you return funds up to the original transaction amount to the customer. • Payouts: When you send funds to your customer, such as winnings in the case of gaming merchants. This amount can exceed the original transaction amount.	This is a financial transaction.
Void	A request initiated by the merchant, Nuvei’s Technical Support, or Nuvei’s Risk department, instructing the Gateway to cancel (delete) a transaction before it is transmitted to the acquirer bank. The voided transaction can be Auth, Settle, or Sale. The Void transaction enables you to cancel an erroneous or problematic transaction before it is settled. As the voided transaction is canceled before it is sent to the acquirer bank, it does not appear in the customer's credit card statement. As transactions can only be voided before they are sent to the acquirer bank, it is only possible to process them prior to the daily transmission of transactions to the acquirer bank. Contact Nuvei Technical Support for the most up-to-date transmission times. Failing to void a transaction before the daily transmission may lead to the transaction being settled or credited. You cannot void a transaction that has been settled or credited. After a transaction has been settled, you can only return funds to the cardholder by issuing a refund.	Not all acquirer banks support the Void functionality. This is a financial transaction.
AVSOnly	A request instructing the Gateway to perform an AVS (Address Verification Service) test for a specific cardholder. This is purely a validation transaction and involves no financial aspects.
RiskOnly	This transaction is a pure risk/fraud probability ranking transaction and involves no financial aspects.
Auth3D	A 3D Secure Authentication Transaction. Every transaction in the 3D Secure flow has two rows in the Nuvei reporter, "Auth3D" followed by either "Auth" or "Sale" transactions. Auth3D always shows approved status, but it does not mean that the authentication was successful. 3D authentication results can be viewed in the Nuvei Reporter within the transaction details pop up or via an API response.
InitAuth3D	This method was specifically designed and added for the 3D Secure 2.0 upgrade, and indicates to the Gateway that a new 3D Secure flow was initiated and will respond with data to help the merchant facilitate the flow.