What is contained in an authorization certificate?

An authorization certificate primarily contains information used in the authorization process. This typically includes various elements that are essential for validating a transaction request, such as transaction amounts, the merchant identification, and specific codes that indicate whether the transaction has been approved or declined.

The purpose of an authorization certificate is to ensure that the transaction can be accurately processed and that the necessary checks have been performed. This might involve verifying the customer's available credit, assessing the legitimacy of the transaction, or confirming whether the customer has sufficient funds for a debit transaction.

In contrast, while customer personal information, merchant payment details, and transaction historical data may be relevant for different aspects of payment processing, they are not the core elements contained within an authorization certificate specifically. This certificate is focused on the immediate needs for processing an authorization, rather than broader transaction or customer profiling data.