This functionality is available for the following models:
Receiving one-time card payments under the authorization and capture scheme consists of reserving the funds on your client’s card, having the opportunity to execute the capture of funds until the service is completed. It also allows you to capture a different amount than the original authorization.
|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||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|
Authorization and capture (also called two-step payment), consists of two stages: Authorization of the amount and capture or release of funds.
On your website or app, the user selects card as payment method and provides the card details they will use to pay.
The merchant collects the data, sends it to Kushki and requests a unique authorization payment token.
Kushki will receive the data and will send you the one-time authorization payment token.
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, holds that amount on the customer’s card to guarantee it to the merchant.
Kushki returns a response from the authorization process.
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 with authorization and capture
Learn how to integrate the receipt of one-time card payments using the authorization and capture scheme.