How do one-time payments with authorization and capture work?
Learn about the authorization and capture process, through which you can authorize an amount from your client's card and charge when the service has been completed.
This functionality is available for the following models:
☑ Acquirer
☐ Aggregator
Receiving one-time card payments under the authorization and capture, involves reseiving funds from your customer’s card, allowing executing the capture of funds once the service is completed. It also allows reaothorizations to extend the validity of the funds or change the initial amount.
Product in beta version 🔐👨💻
We are working on our beta version. Stay tuned for its official release! You can also contact your account manager for more information.
Keep in mind that the validity of the authorization may vary depending on the commercial negotiation.
Particularity
Details
Supported card types
Visa and Mastercard debit and credit cards
Authorization duration
7 days for debit cards and 28 days for credit cards.
Authorization end time
7 days or 28 days from the time the authorization is generated
Reauthorization amount
Can be higher or lower than the authorization amount. There is not maximum limit
Capture amount
The maximum amount to be captured may be 10% higher than the total amount of the initial authorization plus the n reauthorizations that may be executed
Number of captures
Only 1 capture per authorization is allowed
Cancellation of authorization before the expiration date
Recommended, using the void endpoint
Cardholder limit restoration upon cancellation
TThe limit depends on the issuer to be restored
Cardholder limit restoration upon authorization validity expiration
Kuhski processes the authorization with the issuer, verifying the availability of funds. If this process is successful, it retains that amount on the customer’s card to guarantee it to the merchant.
If you wish to modify the validity period of the authorization or the value of the amount, you can request a reauthorization. Keep in mind that each reauthorization adds to the value of the initial authorizations. The total sum of the initial authorization plus any subsequent reauthorizations will be the maximum amount that can be captured.
At this stage, you will be notified of the transaction status. You can receive these notifications through a webhook that you expose for Kushki to consume. You also have access to the Kushki console to verify transitions along with the details of each and their status.
Receive payments with authorization and capture
Learn how to integrate the receipt of one-time card payments through the authorization and capture scheme.
