We're using CyberSource and I've had a handful of times in the last month where I've gotten SOs with "Payment Holds" on them, asking for a "Verbal Authorization Request". CyberSource Reason Code 201.

Unfortunately, this hold does not have big yellow banner at the top of the screen like an AVS mismatch does. In fact, if you don't have permission to over ride a hold, you see nothing out of the ordinary unless you go to the billing tab. Furthermore, they are able to be approved without the payment hold being overridden. The only time you're stopped is when you go to fulfill, which is good, unless you're drop shipping and don't fulfill until you "mark shipped" when the item is already en route to the customer. Then its a huge problem.