> Which is why there's a facility in Authorisation to reserve funds - > the card's usable balance drops so the cardholder can't spend it, but > the funds don't transfer to you. > > Cheers > Martin Once again (somewhat redundantly), this leaves just this bit of unresolved configuration baggage if someone can confirm/deny - I did not check osCommerce, but neither zen-cart nor virtuemart display an option called "authorized" or "authed" or similar. When you list to configure the shipping modules in Virtuemart, the credit card module has 2 general config options: 1) Order Status for successful transactions 2) Order Status for failed transactions Each can be set to: 1) Pending 2) Confirmed 3) Cancelled 4) Refunded 5) Shipped I 'assume' that for "successful transactions" that I set the default to "Pending" and the order goes over to shipping. Since the item is in stock, the transaction needs to be switched to "Confirmed". So someone in the food chain now goes into the shopping cart and finds the order and changes the Status to "Confirmed" and also selects to Notify the Customer and commits the change. Q: I don't see anywhere that it lists an option to 'authorize' the transaction. Is setting the default to "Pending" the eCommerce app's equivalent of "Authorized"? Q: Will changing the status to "Confirmed" then trigger the event which will talk to authorize.net and make the shopkeeper a richer individual? Depending on how much time has elapsed, one's gotta assume that there is the possibility that something has gone wrong in Muddville resulting in insufficient funds. So, don't put it on the truck before the transaction has processed successfully I assume. I can put up pics if need be. BTW - I am setting up tax based upon the ship to address.