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An employment authorization document (EAD) is a card issued by USCIS that allows noncitizens to work in the US. Learn about the types, categories, and restrictions of EADs, and how to apply for one.
Authorization hold (or pre-auth) is a service that reduces the balance of available funds until the merchant clears the transaction. Learn how it works, why it is used, and what are the consequences and delays for cardholders.
AVS is a service to authenticate credit or debit card ownership by checking the billing address provided by the customer against the card issuer's records. Learn how AVS works, what countries support it, and what response codes it uses.
A federal statute that reformed credit card practices in the U.S. by establishing fair and transparent rules for consumers. Learn about the bill's introduction, votes, provisions, and effects on the credit card industry and consumers.
Online Authorization (OLA) is a system used to verify a transaction on a payment card (e.g. credit card). [1] The term 'on-line' refers to the real-time nature of the verification. In other words, if the account is overdrawn, in most cases, the transaction will be refused.
Tokenization is the process of substituting a sensitive data element with a non-sensitive equivalent, referred to as a token, that has no intrinsic or exploitable meaning or value. Learn how tokenization works, its benefits, its origins, and its applications in data security and payment card industry.
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