Credit card marketing authorization means that before the cardholder consumes, the merchant freezes part of the funds, and after the cardholder signs, the merchant can formally deduct this part of the funds. For example, if you go to a hotel, first tell the hotel how many days you will stay, and the hotel will freeze the expenses needed for these days from your credit card. After you confirm the consumption amount when you check out, the hotel will use your card to complete the marketing authorization, so that the actual consumption amount will be deducted from your card and the hotel will receive the money. The reason for this is to ensure that the money in the cardholder's credit card is enough for current consumption.

For hotels, we can try to avoid the phenomenon of running orders. If the guest leaves the hotel without checking out after completing the marketing authorization, the hotel can apply to UnionPay for completing the pre-authorization, and provide the guest consumption documents and pre-authorization documents. So UnionPay can transfer money from the traveler's card to the hotel account.

The risk degree of marketing authorization transaction is the same as that of ordinary credit card consumption. It should be noted that cardholders may be required to make credit card guarantees at hotels or ticket agencies because of the shortage of rooms or air tickets. If the customer needs to cancel the order, but fails to do so within the time specified by the merchant, the merchant will deduct the room fee or air ticket fee of 1 day as agreed, in which case it cannot refuse to pay. Merchants can usually use manual card pressing or POS on-line processing for marketing authorization, and the specific process is consistent with traditional consumption. Only in the final settlement, marketing authorization is needed to complete the transaction and complete the formal transaction settlement.

It is understood that sometimes the credit line frozen by pre-authorization is not equal to the amount displayed when actually swiping the card, and some banks will freeze the overdraft line 15% on the basis of actual pre-authorization. Therefore, for cardholders who rely on credit card consumption, special attention should be paid to the corresponding fund arrangement and preparation after pre-authorization, so as to avoid the dilemma of insufficient credit line when making other consumption.