New Hold Adjustment Rule Type Available in the Auth Rules API

{ "Added": "Release Date", "Release Date": "May 26, 2026", "Products Affected": "Auth Rules API", "Impact": "New conditional rule type for dynamically adjusting authorization hold amounts", "Audience": "All customers using Auth Rules", "Action Required": "None", "Overview": "The Auth Rules API now supports a new conditional rule type that dynamically adjusts the hold amount on an authorization when its conditions are met. Common use cases include padding holds by a percentage for merchant categories where tips are added after the initial authorization (such as bars, restaurants, and taxis), replacing the hold with a fixed amount for automated fuel dispensers where a $1 authorization allows significantly more fuel to be pumped, and adding a fixed amount to cover program-assessed fees (such as ATM fees or foreign transaction fees) so that those fees do not push balances negative.", "Details": "A new variant has been added to the auth-rule-parameters schema on the /v2/auth_rules endpoints. The variant is titled Conditional Adjustment (Authorization) Parameters and contains two top-level fields: action, which defines how the hold amount is modified, and conditions, which defines when the adjustment applies. The rule is created with the CONDITIONAL_ACTION rule type on the AUTHORIZATION event stream, and the hold adjustment is supplied as the action, in place of a DECLINE or CHALLENGE action. The conditions array uses the same attribute, operation, and value structure as other conditional Auth Rule types.", "Action Fields": { "action.type": "The type of action. Currently the only supported value is HOLD_ADJUSTMENT.", "action.mode": "Determines how action.value is interpreted.", "action.value": "The integer used for the adjustment, interpreted based on mode." }, "Adjustment Modes": { "REPLACE_WITH_AMOUNT": "value is the approved hold amount in cents and replaces the original hold amount.", "ADD_PERCENTAGE": "value adjusts the hold amount by a percentage, where 1000 represents a 10% increase and 0 represents no change.", "ADD_AMOUNT": "value is added to the hold amount in cents." }, "Example Requests": [ { "description": "Pad restaurant and bar holds by 20% to cover tips using ADD_PERCENTAGE:", "bash_command": "POST /v2/auth_rules", "json_request": { "name": "Pad holds for tip-based MCCs", "program_level": true, "type": "CONDITIONAL_ACTION", "event_stream": "AUTHORIZATION", "parameters": { "action": { "type": "HOLD_ADJUSTMENT", "mode": "ADD_PERCENTAGE", "value": 2000 }, "conditions": [ { "attribute": "MCC", "operation": "IS_ONE_OF", "value": ["5812", "5813", "5814", "4121"] } ] } } }, { "description": "Replace AFD holds with a fixed $175 amount using REPLACE_WITH_AMOUNT:", "bash_command": "POST /v2/auth_rules", "json_request": { "name": "Set fixed hold for fuel dispensers", "program_level": true, "type": "CONDITIONAL_ACTION", "event_stream": "AUTHORIZATION", "parameters": { "action": { "type": "HOLD_ADJUSTMENT", "mode": "REPLACE_WITH_AMOUNT", "value": 17500 }, "conditions": [ { "attribute": "MCC", "operation": "IS_ONE_OF", "value": ["5542"] } ] } } }, { "description": "Add a fixed $3 buffer to ATM withdrawals to cover program-assessed fees using ADD_AMOUNT:", "bash_command": "POST /v2/auth_rules", "json_request": { "name": "Buffer ATM withdrawals for fees", "program_level": true, "type": "CONDITIONAL_ACTION", "event_stream": "AUTHORIZATION", "parameters": { "action": { "type": "HOLD_ADJUSTMENT", "mode": "ADD_AMOUNT", "value": 300 }, "conditions": [ { "attribute": "MCC", "operation": "IS_ONE_OF", "value": ["6011"] } ] } } } ], "Release Timeline": "Available now", "User Impact": "This change is additive only. Existing integrations will continue to function without modification.", "Updated Documentation": "For more information on conditional Auth Rule types, visit our Authorization Rules guide." }