This functionality is available for the following models:
Receive OneClick payments using the authorization and capture scheme involve securely storing your customer’s card information, guaranteeing fund availability and providing the flexibility to capture a specific amoun until the service is completed. It also allows capturing different amount than the original authorization.
|Supported card types
|Visa and Mastercard debit and credit cards
|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
|Can be higher or lower than the authorization amount. There is not maximum limit
|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
|The limit is immediately restored, but note that it is subject to variations, depending on the issuer
|Cardholder limit restoration upon authorization validity expiration
|The limit is immediately restored
The OneClick payment with authorization and capture, consists of three stages: tokenize the card data, authorize the amount and capture or release the funds.
On your website or app, the user selects the payment method. Make sure the payer understands that their card will be enrolled, meaning their data will be stored for future charges as needed.
The user provides the card information for payment. Your website or app must verify the card accuracy of the information (example, checking the expiration date or ensuring the card number obeys Luhn’s algorithm). At this point, there is still no guarantee that the card is valid.
Kushki receives the data and verifies if the card’s associated account has sufficient funds through a validation charge. This charge checks if the card is active and in balance and will be automatically reversed.
At this stage we will show you the result of the card enrollment so that you can display it on screen to the user.
Merchant requests Kushki to authorize the amount on the customer’s card.
Kushki processes authorization with the issuer, verifying funds availability. If this process is successful, it holds that amount on the customer’s card to guarantee it to the merchant.
Kushki returns a response from the authorization process.
If you wish to modify the time of validity of the authorization or the value of the amount, you may request a reauthorization. Please note that each reauthorization is added to the value of the initial authorization. The total sum of the initial authorization plus subsequent reauthorizations will be the maximum amount that can be captured.
Once you have authorized the amount of your customer’s card, you can request the collection or release of the authorized balance.
At this stage you will be notified of the status of the transaction. You can receive these notifications to a webhook that you expose for Kushki to consume. You also have the Kushki console to check the transactions along with the detail of each transaction and the status.
Receive payments *OneClick* with authorization and capture
Learn how to integrate the OneClick payment reception through the authorization and capture scheme.