How do single payments with authorization and capture work?

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.

Stages of the process

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

Autorización y captura MX

Authorization

1. Payment method selection

On your website or app, the user selects card as payment method and provides the card details they will use to pay.

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 will receive the data and will send you the one-time authorization payment token.

4. Authorization amount

Merchant requests Kushki to authorize the amount on the customer’s card.

5. Funds Verification

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.

6. Notification

Kushki returns a response from the authorization process.

Capture or release of funds

1. Execution of the charge

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

2. Notification of transaction status

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.