Credit card payment is not processed and no authorization code is generated when choosing the option to Authorize card on save" when saving a payment"

When creating and saving one-off credit card payments, users have the option to mark a checkbox that allows the system to authorize the transaction when they save the payment.  This sends the credit card to BBPS and the credit card processor, charges the card, and returns the authorization code for the transaction to the newly saved payment record.  However, when users have limited rights in the system, they may save the transaction successfully but find that the credit card is not charged, and no authorization code is generated.
Download and install the latest patch, which contains all fixes from previous patches. If you are running an older version, download and install the latest version and then the patch. 

This issue occurs when users are not granted the following feature permission:  Revenue\Payments\System Privileges\Credit Card Process Card Not Present Transactions System Privilege.  Granting rights to this feature will allow the credit card transaction to process. 

However, when users do not have rights to this feature permission, they should receive a notification when they attempt to save, that the card will not be charged.

Environment

 2.94.1524, patch 24 ; 2.91.1535, patch 77 ; 2.9.1001, patch 120

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