If you swipe, you should authorize immediately (MYOB Merchant Account Service)

In order to receive the proper credit for swiping credit card information, you must authorize the swiped information before closing the Applied Payment Details window. If you close the Applied Payment Details window after you've swiped credit card information but before you've authorized, the information in the will be regarded as "key entered."

Also, be aware that if you swipe your customer's credit card information, you shouldn't use the preference that allows you to authorize the payment when you click the Record button. If you use the Record button to authorize the payment, the Applied Payment Details window must be closed, and any swiped information is considered "key entered."