Authorize.net has "Authorize only" transaction types, and you can "Capture" within 30 days. But how do I transfer this deposit to merchant without putting ourselves in the higher risk category?
For instance, if there are no 'takers' then you end up having to refund but the charges are gone.
A hard to catch fraud angle here is a person laundering money putting charges on cards for deposits, then having a 'white' merchant receive the deposits with ridiculously low bids.