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

Operation Details

Supported card typesVisa and Mastercard debit and credit cards
Authorization duration7 days for debit cards and 28 days for credit cards.
Authorization end time7 days or 28 days from the time the authorization is generated
Reauthorization amountCan be higher or lower than the authorization amount. There is not maximum limit
Capture amountThe 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 capturesOnly 1 capture per authorization is allowed
Cancellation of authorization before the expiration dateRecommended, using the void endpoint
Cardholder limit restoration upon cancellationThe limit is immediately restored, but note that it is subject to variations, depending on the issuer
Cardholder limit restoration upon authorization validity expirationThe limit is immediately restored

Stages of the process

Authorization and capture(also called two-step payment), consist of two stages: Authorizations of the amount and capture or release of funds

Authorization and capture for one-time payments in Chile


1. Selection of payment method

On your website or app, the user selects a card as the payment method and provides the card details to be used for payment.

2. Sending data to Kushki

The merchant collects the data, sends it to Kushki, and requests a unique authorization payment token.

3. Sending the token

Kushki receives the data and sends you the unique authorization payment token.

4. Authorization of the amount

The merchant requests Kushki to authorize the customer’s card amount.

5. Verification of funds

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.

6. Notification

Kushki returns a response regarding the authorization process.


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.

Capture or release of funds

1. Execution of the charge

Once you have authorized the amount on your customer’s card, you can request the collection or release of the authorized balance.

2. Translation status notification

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.