Payment capture is the instruction that converts an authorized card transaction into a transaction submitted for clearing and settlement. Authorization alone does not move the final funds to the merchant.
How does capture work?
After authorization, the merchant or provider captures the approved amount immediately or later, then includes it in clearing.
Immediate versus delayed capture
Immediate capture suits transactions ready to complete. Delayed capture lets the merchant confirm inventory, shipment or service before finalizing the charge.
Can the captured amount differ?
Provider and network rules may allow partial capture or an adjusted amount within limits. Amounts above authorization may require a new authorization.
What happens if capture is late?
The authorization may expire or become less reliable, requiring reauthorization and increasing decline or dispute risk.
What should be recorded?
Keep authorization identifier, authorized amount, capture amount and time, un-captured balance, clearing status and any reversal.
