Authorization happens at the point-of-sale and confirms that:
- The transaction is valid
- The card is active
- There are sufficient funds
- The Merchant Category Code (MCC) is applicable to medical expenses
Adjudication happens after the sale and confirms:
- The transaction meets the administrator-defined criteria for the plan
- The transaction matches a defined copay amount or copay multiple, threshold requirement, or is a recurring expense
- Card transaction eligibility