Authorize a Transaction | RMO Developer Center

Authorize a Transaction

The authorization endpoint checks if a Member has sufficient funds or credit and validates the payment method without moving any money. It is commonly used for:

  • E-commerce pre-auth

  • Hotels

  • Fuel stations

  • Tipping workflows

  • Any flow where final price may change

Endpoint

POST /merchant/v1/transactions/authorize

Request Fields

  • amount — Amount to authorize

  • currency — ISO currency code

  • paymentMethod — PaymentCode, card reference, or token

  • merchantReference — Your internal reference

  • channel — CP/CNP/Online/Mobile

Response

  • authorizationId

  • approved (true/false)

  • approvedAmount

  • riskScore

  • reasonCode

  • supportsCapture

Authorizations that are approved may later be captured or voided.

    • Related Articles

    • Understanding Transaction Types

      The RMO Merchant API supports multiple types of monetary transactions. Understanding these types ensures proper integration and reduces payment errors. Authorization Checks whether funds are available. No money moves. Capture Transfers funds after a ...

    • Introduction to the RMO Merchant API

      The RMO Merchant API allows merchants, platforms, and payment partners to securely process transactions across card-present and card-not-present channels using RMO’s unified payments network. This API provides a modern, predictable interface for ...

    • Authorization & Capture Flow

      The RMO payment process uses a two-step flow—Authorization and Capture—similar to card networks and major payment processors. Step 1 — Authorization A merchant sends an authorization request to: POST /merchant/v1/transactions/authorize During this ...

    • Authentication & API Security

      The RMO Merchant API uses API Keys to authenticate and authorize requests. Every request must include a valid key in the Authorization header. Authentication Header Authorization: Bearer <API_KEY> API Key Types Test Keys: For development and QA Live ...

    • Refund a Transaction

      Refunds allow merchants to return funds to a Member after settlement. Endpoint POST /merchant/v1/transactions/refund Capabilities Full refunds Partial refunds Multiple refunds against a single transaction Refund receipts returned via API Request ...