{
  "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."
}