Give Your AI Features Customer Context With RAG

{
  "format": "structured",
  "query": "How do I authorize a payment now and capture it later?",
  "markdown": "<!-- cl:chunk start section_number=\"1\" cited_post_title=\"Payment capture strategies businesses need to know | Stripe\" cited_post_link=\"https://stripe.com/resources/more/payment-capture-strategies-timing-risks-and-what-businesses-need-to-know\" cited_post_chunk_number=\"4\" -->\n\n##Payment capture strategies businesses need to know | Stripe\n\n### Customer experience\n\nIn some industries, customers expect to be charged only when the product ships or the service is fulfilled. If you capture payment too early, that can raise questions such as the following:\n\n- “Why did I get charged for something that hasn’t shipped yet?”\n\n- “Are they holding my money indefinitely?”\n\n- “Is this business legitimate?”\n\nCapturing only when the transaction is complete – whether that’s at checkout at a hotel, on delivery of a custom item, or on shipment of a back-ordered product – can make customers feel more comfortable. In other cases, such as digital goods and [subscriptions](https://stripe.com/en-fi/resources/more/subscription-billing-101), immediate capture makes sense. What matters is that you match your capture timing to when value is delivered.\n\n## How does payment capture differ from authorisation?\n\nAuthorisation and capture are two steps in the same payment flow, but they serve different purposes. Understanding the difference matters when you’re managing risk, cash flow, and the customer experience.\n\n### Authorisation\n\nWhen a customer makes a purchase, the payment system asks their bank whether the charge can go through. If the bank approves, that’s authorisation. No money has moved yet, but it’s been set aside and the customer can’t spend it elsewhere.\n\nWith most [card networks](https://stripe.com/en-fi/resources/more/how-do-credit-card-networks-work) and issuers, an authorisation stays valid for about seven days. If you don’t capture the funds before it expires, the authorisation is released and the payment disappears.\n\nA status like “payment authorised but not yet captured” means you have approval to complete the charge, but the funds are still pending. You haven’t been paid yet.\n\n### Capture\n\nCapturing the payment is the step that begins the process of transferring the money from the customer’s account to yours. It’s the point at which the sale becomes real.\n\nAfter you capture payment:\n\n- The bank sends you the funds\n\n- The customer’s card is officially charged\n\n- The transaction shows up as complete in your system and on the customer’s statement\n\n## What industries benefit the most from delayed vs immediate capture?\n\nThe right capture timing depends on how your business delivers value. If the product or service is delivered instantly, immediate capture makes sense. But if there’s a delay between the purchase and fulfilment or if the final amount isn’t known up front, delayed capture gives you more control.\n\n<!-- cl:chunk end section_number=1 -->\n\n<!-- cl:chunk start section_number=\"2\" cited_post_title=\"Capture more than the authorized amount on a payment | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/overcapture\" cited_post_chunk_number=\"1\" -->\n\n\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture more than the authorized amount on a payment\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fovercapture)\n\n[\n\n](/)\n\nSearch/Ask AI\n\n[Create account](https://dashboard.stripe.com/register)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fovercapture)\n\nAPIs & SDKsHelp\n\n[Overview](/payments)[Accept a payment](/payments/accept-a-payment)\nOnline payments\n[Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started)\nUse Payment Links\n\nBuild a payments page\n\nBuild a custom integration with Elements\n\nBuild an in-app integration\n\nUse Managed Payments\n\n[Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations)\nIn-person payments\n[Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands)\nReaders\n\nReady-made apps\n\nCustom integration\n\nPayment methods\n\nAdd payment methods\n\nManage payment methods\n\nFaster checkout with Link\n\nPayment operations\n\nAnalytics\n\n[Balances and settlement time](/payments/balances)\nCompliance and security\n\nCurrencies\n\nDeclines\n\nDisputes\n\nPayouts\n\n[Receipts](/receipts)[Refunds and cancellations](/refunds)\nAdvanced integrations\n\nCustom payment flows\n\nFlexible acquiring\n\n[Overview](/payments/flexible-payments)\n\n[Capture a payment multiple times](/payments/multicapture)\n\nCapture more than the authorized amount on a payment\n\n[Place an extended hold on an online card payment](/payments/extended-authorization)\n\n[Increment an authorization](/payments/incremental-authorization)\n\n[Partially authorize a payment](/payments/partial-authorization)\n\n[Migrate from beta](/payments/flexible-features-migration)\n\nOff-Session Payments\n\nMultiprocessor orchestration\n\nBeyond payments\n\nIncorporate your company\n\nAgentic commerce\n\nFinancial Connections\n\nClimate\n\n Finland\n\n English (United States)\n\n<!-- cl:chunk end section_number=2 -->\n\n<!-- cl:chunk start section_number=\"3\" cited_post_title=\"Collect card payments while offline | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/terminal/features/operate-offline/collect-card-payments\" cited_post_chunk_number=\"14\" -->\n\n\n\n Capture payment\n\n](docs.stripe.com#capture-payment)\n\nWhile offline, you can create PaymentIntents with `captureMethod` set to `automatic`.\n\nAfter you confirm these PaymentIntents, they have a `Succeeded` status instead of `RequiresCapture`. Stripe automatically captures the payments after you forward them.\n\nIf you opt for manual capture, payments that are successfully forwarded and authorized require capture from your backend or application.\n\n- To capture payments from your backend, use [webhooks](/webhooks) to listen for PaymentIntents with a `requires_capture` status.\n- To capture payments from your application, wait for your application to receive calls to `OfflineDelegate.didForwardPayment` for each PaymentIntent as the SDK forwards it. A PaymentIntent is ready to capture if its status is `RequiresCapture` and the `offlineDetails` is null or has a `requiresUpload` value of `NO` .\n\nPaymentViewController.swift\n\nSelect a language\n\nSwift\n\nObjective-C\n\n No results\n\n```\n`Terminal.shared.confirmPaymentIntent(paymentIntent) { confirmResult, confirmError in\n    if let error = confirmError {\n        // Handle offline-specific errors in your application (for example,\n        // unsupported payment method).\n        print(\"confirmPaymentIntent failed: \\(error)\")\n    } else if let confirmedPaymentIntent = confirmResult {\n        if intent.status == .requiresCapture {\n            if let offlineDetails = confirmedPaymentIntent.offlineDetails(),\n               offlineDetails.requiresUpload {\n                // Offline payment, wait for `didForwardPaymentIntent` (see snippet below)\n            } else {\n                // Online payment, can be captured now\n            }\n        }\n        // else, handle other intent.status results here\n    }\n}`\n```\n\nCapture an offline payment after the SDK forwards it in your OfflineDelegate’s `didForwardPaymentIntent`:\n\nCustomOfflineDelegate.swift\n\nSelect a language\n\nSwift\n\nObjective-C\n\n No results\n\n```\n`import StripeTerminal\n\nclass CustomOfflineDelegate: OfflineDelegate {\n    // ...\n    func terminal(_ terminal: Terminal, didForwardPaymentIntent intent: PaymentIntent, error: Error?) {\n        if let error = error {\n            // Handle the error appropriate for your application\n            return\n        }\n\n        if intent.status == .requiresCapture {\n            // The intent is ready to be captured.\n        } else {\n            // Handle the intent.status as appropriate.\n        }\n    }\n    // ...\n}`\n```\n\n[\n\n<!-- cl:chunk end section_number=3 -->\n\n<!-- cl:chunk start section_number=\"4\" cited_post_title=\"Migrate to the latest flexible payment scenarios | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/flexible-features-migration\" cited_post_chunk_number=\"6\" -->\n\n\n\n Choose how to capture more than initially authorized amount\n\nTwo of the flexible payment features allow you to capture an amount larger than initially authorized:\n\n- Over capture up to a certain limit ([Capture more than the authorized amount on a payment](/payments/overcapture))\n- Increment the existing authorization and then capture the newly authorized amount ([Increment an authorization](/payments/incremental-authorization))\n\nThe example below showcases how these features can complement each other in the generally available version.\n\nCommand Line\n\nSelect a language\n\ncURL\n\nStripe CLI\n\nRuby\n\nPython\n\nPHP\n\nJava\n\nNode.js\n\nGo\n\n.NET\n\n No results\n\n```\n`curl https://api.stripe.com/v1/payment_intents \\\n  -u \"sk_test_...:\" \\\n  -d amount=1000 \\\n  -d currency=usd \\\n  -d \"allowed_payment_method_types[]=card\" \\\n  -d payment_method=pm_card_visa \\\n  -d confirm=true \\\n  -d capture_method=manual \\\n  -d \"expand[]=latest_charge\" \\\n  -d \"payment_method_options[card][request_incremental_authorization]=if_available\" \\\n  -d \"payment_method_options[card][request_overcapture]=if_available\"`\n```\n\n```\n`// PaymentIntent Response\n{\n  \"object\": \"payment_intent\",\n  \"amount\": 1000,\n  ...\n  // if latest_charge is expanded\n  {\n    \"latest_charge\": {\n      \"payment_method_details\": {\n        \"card\": {\n          \"incremental_authorization\": {\n              \"status\": \"available\" // or \"unavailable\"\n          },\n          \"overcapture\": {\n              \"status\": \"available\", // or \"unavailable\"\n              \"maximum_amount_capturable\": 1200\n          }\n        }\n      }\n      ...\n    }\n  }\n}`\n```\n\nUpon [confirmation](/api/payment_intents/confirm) of the PaymentIntent, if both features are available, you have options on the next steps to capture a larger amount than initially authorized:\n\n1. Overcapture if the desired amount is equal or below the `maximum_amount_capturable`.\n2. Perform an incremental authorization to the desired amount, then capture.\n\n<!-- cl:chunk end section_number=4 -->\n\n<!-- cl:chunk start section_number=\
"5\" cited_post_title=\"Capture a payment multiple times | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/terminal/features/multicapture\" cited_post_chunk_number=\"1\" -->\n\n\n\n[Skip to content](docs.stripe.com#main-content) Capture a payment multiple times [Create accou"… (+13208 chars)
"5\" cited_post_title=\"Capture a payment multiple times | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/terminal/features/multicapture\" cited_post_chunk_number=\"1\" -->\n\n\n\n[Skip to content](docs.stripe.com#main-content) Capture a payment multiple times [Create account](https://dashboard.stripe.com/register/terminal) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fterminal%2Ffeatures%2Fmulticapture) [ ](/) Search/Ask AI [Create account](https://dashboard.stripe.com/register/terminal)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fterminal%2Ffeatures%2Fmulticapture) APIs & SDKsHelp [Overview](/payments)[Accept a payment](/payments/accept-a-payment) Online payments [Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started) Use Payment Links Build a payments page Build a custom integration with Elements Build an in-app integration Use Managed Payments [Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations) In-person payments [Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands) Readers Ready-made apps Custom integration [Design an integration](/terminal/designing-integration) [Quickstart](/terminal/quickstart) [Example applications](/terminal/example-applications) [Testing](/terminal/references/testing) Terminal setup [Set up your integration](/terminal/payments/setup-integration) [Multiparty payments with Connect](/terminal/features/connect) [Connect to a reader](/terminal/payments/connect-reader) Accepting a payment [Collect card payments](/terminal/payments/collect-card-payment) [Additional payment methods](/terminal/payments/additional-payment-methods) [Support unattended payments](/terminal/unattended-readers) [Accept offline payments](/terminal/features/operate-offline/overview) [Mail order and telephone order payments](/terminal/features/mail-telephone-orders/overview) [Accept gift cards](/terminal/features/gift-cards) [Regional considerations](/terminal/payments/regional) [Localize API error messages](/terminal/features/locale-config) During checkout [Collect tips](/terminal/features/collecting-tips/overview) [Collect and save payment details for future use](/terminal/features/saving-payment-details/overview) Flexible authorizations [Incremental authorizations](/terminal/features/incremental-authorizations) [Extended authorizations](/terminal/features/extended-authorizations) Capture a payment multiple times After checkout [Refund transactions](/terminal/features/refunds) [Provide receipts](/terminal/features/receipts) [Print content on a reader](/terminal/features/print-content) Customize checkout [Cart display](/terminal/features/display) [Collect on-screen inputs](/terminal/features/collect-inputs) [Collect swiped data](/terminal/features/collect-data) [Collect tapped data for NFC instruments](/terminal/features/collect-nfc-data) [Apps on devices](/terminal/features/apps-on-devices/overview) References [JavaScript API reference](/terminal/references/api/js-sdk) [SDK versioning and support](/terminal/references/sdk-versioning) [SDK migration guide](/terminal/references/sdk-migration-guide) [Deployment\n\n<!-- cl:chunk end section_number=5 -->\n\n<!-- cl:chunk start section_number=\"6\" cited_post_title=\"Place a hold on a payment method | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/place-a-hold-on-a-payment-method\" cited_post_chunk_number=\"8\" -->\n\n\n\n Capture the funds\n\n Checkout Sessions has a PaymentIntent ID\n\nIf you’re using the Checkout Sessions API, make sure you use the [PaymentIntent ID](/api/checkout/sessions/object#checkout_session_object-payment_intent) that is returned in the Checkout Session object.\n\nAfter the payment method is authorized, the PaymentIntent [status](/api/payment_intents/object#payment_intent_object-status) transitions to `requires_capture`. To capture the authorized funds, make a PaymentIntent [capture](/api/payment_intents/capture) request. This captures the total authorized amount by default. To capture less or (for certain online card payments) more than the initial amount, pass the [amount\\_to\\_capture](/api/payment_intents/capture#capture_payment_intent-amount_to_capture) option. A partial capture automatically releases the remaining amount. If attempting to capture more than the initial amount for an online card payment, refer to the [overcapture documentation](/payments/overcapture).\n\nThe following example demonstrates how to capture 7.50 USD of the authorized 10.99 USD payment:\n\nCommand Line\n\nSelect a language\n\ncURL\n\nStripe CLI\n\nRuby\n\nPython\n\nPHP\n\nJava\n\nNode.js\n\nGo\n\n.NET\n\n No results\n\n```\n`curl https://api.stripe.com/v1/payment_intents/pi_123/capture \\\n  -u \"sk_test_...:\" \\\n  -d amount_to_capture=750`\n```\n\nAlthough some card payments are eligible for [multicapture](/payments/multicapture), you can only perform one capture on an authorized payment for most payments. If you partially capture a payment, you can’t perform another capture for the difference. (Instead, consider [saving the customer’s payment method details for later](/payments/save-during-payment?payment-ui=elements#save-payment-details-for-future-use) and creating future payments as needed.)\n\nCard statements from some issuers and interfaces from payment methods don’t always distinguish between authorizations and captured (settled) payments, which can sometimes confuse customers.\n\nAdditionally, when a customer completes the payment process on a PaymentIntent with manual capture, it triggers the `payment_intent.amount_capturable_updated` event. You can inspect the PaymentIntent’s [amount\\_capturable](/api/payment_intents/object#payment_intent_object-amount_capturable) property to see the total amount that you can capture from the PaymentIntent.\n\n<!-- cl:chunk end section_number=6 -->\n\n<!-- cl:chunk start section_number=\"7\" cited_post_title=\"Place a hold on a payment method | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/place-a-hold-on-a-payment-method\" cited_post_chunk_number=\"6\" -->\n\n\n\n# Card-present transactions (in-person payments)\n\n| Card brand | Authorization validity window |\n| --- | --- |\n| **Visa** | 5 days\\* |\n| **Mastercard** | 2 days |\n| **American Express** | 2 days |\n| **Discover** | 2 days |\n\n\\* The exact authorization window is 4 days and 18 hours, to allow time for clearing processes.\n\n# 30-day authorization windows in Japan\n\nIf your account is based in Japan, you can hold JPY-denominated transactions from Visa, Mastercard, JCB, Diners Club, and Discover for up to 30 days. Non-JPY and American Express transactions expire according to the [standard authorization windows](docs.stripe.com#authorization-validity-windows).\n\n Payment method limitations\n\nBefore implementing, understand the following limitations for authorizing and capturing separately.\n\n- Only some payment methods support separate authorization and capture. Some payment methods that support this include cards, Affirm, Afterpay, Cash App Pay, Klarna, and PayPal. Some payment methods that don’t support this include [ACH](/payments/ach-direct-debit) and [iDEAL](/payments/ideal). Read more about [payment method feature support](/payments/payment-methods/payment-method-support).\n\n- Beyond what’s outlined in the tables above, other payment methods have different rules and authorization windows:\n\n Use the Dashboard to authorize and capture\n\nYou can authorize a payment and capture funds separately without writing code.\n\n1. In the Dashboard, [create a new payment](https://dashboard.stripe.com/test/payments/new). Select **One-time**.\n2. When you enter or select the payment method, select **More options** then **Capture funds later**.\n\nThe payment appears in your [payments page](https://dashboard.stripe.com/test/payments) as **Uncaptured**.\n\nTo capture the funds, go to the payment details page and click **Capture**.\n\n<!-- cl:chunk end section_number=7 -->\n\n<!-- cl:chunk start section_number=\"8\" cited_post_title=\"Flexible payment scenarios | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/flexible-payments\" cited_post_chunk_number=\"2\" -->\n\n\n\n# Flexible payment scenarios\n\n Support complex payment flows through flexible and customizable acquiring features.\n\nAsk about this page\nCopy for LLM\n\nView as Markdown\nInstall tools\n\nStripe’s payment acquiring features provide the flexibility needed to manage complex payment scenarios, such as capturing funds as you fulfill shipments or incrementing an authorization amount when order details change.\n\nThe functionality highlighted below is available to all users on [IC+ pricing](https://support.stripe.com/questions/understanding-blended-interchange-pricing).\n\n[\n\nMulticapture\n\n \n\nPartially capture a PaymentIntent multiple times, for example when processing orders with multiple shipments.\n\n](/payments/multicapture \"Multicapture\")\n\n[\n\nOvercapture\n\n \n\nCapture more than the authorized amount of a PaymentIntent, for example when collecting a tip.\n\n](/payments/overcapture \"Overcapture\")\n\n[\n\nIncremental authorization\n\n \n\nIncrease the authorized amount of a PaymentIntent before capturing it, for example when adding a good or service to an existing order.\n\n](/payments/incremental-authorization \"Incremental authorization\")\n\n[\n\nExtended authorization\n\n \n\nExtend the time period to capture an authorized PaymentIntent from 7 to up to 30 days, for example when processing a hotel reservation.\n\n](/payments/extended-authorization \"Extended authorization\")\n\n[\n\nPartial authorization\n\n \n\nAuthorize a partial amount of the originally requested amount for a card transaction when the available balance is insufficient to cover the full amount.\n\n](/payments/partial-authorization \"Partial authorization\")\n\n<!-- cl:chunk end section_number=8 -->\n\n<!-- cl:chunk start section_number=\"9\" cited_post_title=\"Payment capture strategies businesses need to know | Stripe\" cited_post_link=\"https://stripe.com/resources/more/payment-capture-strategies-timing-risks-and-what-businesses-need-to-know\" cited_post_chunk_number=\"2\" -->\n\n\n\n What is payment capture?\n\nPayment capture is the moment when the acquirer starts the process of moving money from your customer’s account to yours. It happens after [authorisation,](https://stripe.com/en-fi/resources/more/credit-card-payment-authorization-and-transaction-settlement-process) which is when the customer’s bank approves the charge, and before settlement, which is when the funds arrive in your business bank account.\n\nIf you see a payment marked as “authorised but not yet captured”, that means the money is reserved but hasn’t been collected yet. Once captured, the funds are on their way to your account.\n\nYou usually capture the exact amount authorised, but in some cases (e.g. when the final amount changes due to tips or adjustments) the amount captured can change slightly. In many systems, capture happens automatically after authorisation, but businesses can choose to separate the two steps and hold off on capture until later.\n\n<!-- cl:chunk end section_number=9 -->\n\n<!-- cl:chunk start section_number=\"10\" cited_post_title=\"Capture a payment multiple times | Stripe Documentation\" cited_post_link=\"https://docs.stripe.com/payments/multicapture\" cited_post_chunk_number=\"1\" -->\n\n\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture a payment multiple times\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)\n\n[\n\n](/)\n\nSearch/Ask AI\n\n[Create account](https://dashboard.stripe.com/register)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)\n\nAPIs & SDKsHelp\n\n[Overview](/payments)[Accept a payment](/payments/accept-a-payment)\nOnline payments\n[Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started)\nUse Payment Links\n\nBuild a payments page\n\nBuild a custom integration with Elements\n\nBuild an in-app integration\n\nUse Managed Payments\n\n[Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations)\nIn-person payments\n[Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands)\nReaders\n\nReady-made apps\n\nCustom integration\n\nPayment methods\n\nAdd payment methods\n\nManage payment methods\n\nFaster checkout with Link\n\nPayment operations\n\nAnalytics\n\n[Balances and settlement time](/payments/balances)\nCompliance and security\n\nCurrencies\n\nDeclines\n\nDisputes\n\nPayouts\n\n[Receipts](/receipts)[Refunds and cancellations](/refunds)\nAdvanced integrations\n\nCustom payment flows\n\nFlexible acquiring\n\n[Overview](/payments/flexible-payments)\n\nCapture a payment multiple times\n\n[Capture more than the authorized amount on a payment](/payments/overcapture)\n\n[Place an extended hold on an online card payment](/payments/extended-authorization)\n\n[Increment an authorization](/payments/incremental-authorization)\n\n[Partially authorize a payment](/payments/partial-authorization)\n\n[Migrate from beta](/payments/flexible-features-migration)\n\nOff-Session Payments\n\nMultiprocessor orchestration\n\nBeyond payments\n\nIncorporate your company\n\nAgentic commerce\n\nFinancial Connections\n\nClimate\n\n Finland\n\n English (United States)\n\n<!-- cl:chunk end section_number=10 -->"
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"##Payment capture strategies businesses need to know | Stripe\n\n### Customer experience\n\nIn some industries, customers expect to be charged only when the product ships or the service is fulfilled. If you capture payment too early, that can raise questions such as the following:\n\n-"… (+2284 chars)
"##Payment capture strategies businesses need to know | Stripe\n\n### Customer experience\n\nIn some industries, customers expect to be charged only when the product ships or the service is fulfilled. If you capture payment too early, that can raise questions such as the following:\n\n- “Why did I get charged for something that hasn’t shipped yet?”\n\n- “Are they holding my money indefinitely?”\n\n- “Is this business legitimate?”\n\nCapturing only when the transaction is complete – whether that’s at checkout at a hotel, on delivery of a custom item, or on shipment of a back-ordered product – can make customers feel more comfortable. In other cases, such as digital goods and [subscriptions](https://stripe.com/en-fi/resources/more/subscription-billing-101), immediate capture makes sense. What matters is that you match your capture timing to when value is delivered.\n\n## How does payment capture differ from authorisation?\n\nAuthorisation and capture are two steps in the same payment flow, but they serve different purposes. Understanding the difference matters when you’re managing risk, cash flow, and the customer experience.\n\n### Authorisation\n\nWhen a customer makes a purchase, the payment system asks their bank whether the charge can go through. If the bank approves, that’s authorisation. No money has moved yet, but it’s been set aside and the customer can’t spend it elsewhere.\n\nWith most [card networks](https://stripe.com/en-fi/resources/more/how-do-credit-card-networks-work) and issuers, an authorisation stays valid for about seven days. If you don’t capture the funds before it expires, the authorisation is released and the payment disappears.\n\nA status like “payment authorised but not yet captured” means you have approval to complete the charge, but the funds are still pending. You haven’t been paid yet.\n\n### Capture\n\nCapturing the payment is the step that begins the process of transferring the money from the customer’s account to yours. It’s the point at which the sale becomes real.\n\nAfter you capture payment:\n\n- The bank sends you the funds\n\n- The customer’s card is officially charged\n\n- The transaction shows up as complete in your system and on the customer’s statement\n\n## What industries benefit the most from delayed vs immediate capture?\n\nThe right capture timing depends on how your business delivers value. If the product or service is delivered instantly, immediate capture makes sense. But if there’s a delay between the purchase and fulfilment or if the final amount isn’t known up front, delayed capture gives you more control."
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"##Capture more than the authorized amount on a payment | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture more than the authorized amount on a payment\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/"… (+1860 chars)
"##Capture more than the authorized amount on a payment | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture more than the authorized amount on a payment\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fovercapture)\n\n[\n\n](/)\n\nSearch/Ask AI\n\n[Create account](https://dashboard.stripe.com/register)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fovercapture)\n\nAPIs & SDKsHelp\n\n[Overview](/payments)[Accept a payment](/payments/accept-a-payment)\nOnline payments\n[Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started)\nUse Payment Links\n\nBuild a payments page\n\nBuild a custom integration with Elements\n\nBuild an in-app integration\n\nUse Managed Payments\n\n[Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations)\nIn-person payments\n[Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands)\nReaders\n\nReady-made apps\n\nCustom integration\n\nPayment methods\n\nAdd payment methods\n\nManage payment methods\n\nFaster checkout with Link\n\nPayment operations\n\nAnalytics\n\n[Balances and settlement time](/payments/balances)\nCompliance and security\n\nCurrencies\n\nDeclines\n\nDisputes\n\nPayouts\n\n[Receipts](/receipts)[Refunds and cancellations](/refunds)\nAdvanced integrations\n\nCustom payment flows\n\nFlexible acquiring\n\n[Overview](/payments/flexible-payments)\n\n[Capture a payment multiple times](/payments/multicapture)\n\nCapture more than the authorized amount on a payment\n\n[Place an extended hold on an online card payment](/payments/extended-authorization)\n\n[Increment an authorization](/payments/incremental-authorization)\n\n[Partially authorize a payment](/payments/partial-authorization)\n\n[Migrate from beta](/payments/flexible-features-migration)\n\nOff-Session Payments\n\nMultiprocessor orchestration\n\nBeyond payments\n\nIncorporate your company\n\nAgentic commerce\n\nFinancial Connections\n\nClimate\n\n Finland\n\n English (United States)"
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"##Collect card payments while offline | Stripe Documentation\n\n## Capture payment\n\n](docs.stripe.com#capture-payment)\n\nWhile offline, you can create PaymentIntents with `captureMethod` set to `automatic`.\n\nAfter you confirm these PaymentIntents, they have a `Succeeded` status inst"… (+2262 chars)
"##Collect card payments while offline | Stripe Documentation\n\n## Capture payment\n\n](docs.stripe.com#capture-payment)\n\nWhile offline, you can create PaymentIntents with `captureMethod` set to `automatic`.\n\nAfter you confirm these PaymentIntents, they have a `Succeeded` status instead of `RequiresCapture`. Stripe automatically captures the payments after you forward them.\n\nIf you opt for manual capture, payments that are successfully forwarded and authorized require capture from your backend or application.\n\n- To capture payments from your backend, use [webhooks](/webhooks) to listen for PaymentIntents with a `requires_capture` status.\n- To capture payments from your application, wait for your application to receive calls to `OfflineDelegate.didForwardPayment` for each PaymentIntent as the SDK forwards it. A PaymentIntent is ready to capture if its status is `RequiresCapture` and the `offlineDetails` is null or has a `requiresUpload` value of `NO` .\n\nPaymentViewController.swift\n\nSelect a language\n\nSwift\n\nObjective-C\n\n No results\n\n```\n`Terminal.shared.confirmPaymentIntent(paymentIntent) { confirmResult, confirmError in\n    if let error = confirmError {\n        // Handle offline-specific errors in your application (for example,\n        // unsupported payment method).\n        print(\"confirmPaymentIntent failed: \\(error)\")\n    } else if let confirmedPaymentIntent = confirmResult {\n        if intent.status == .requiresCapture {\n            if let offlineDetails = confirmedPaymentIntent.offlineDetails(),\n               offlineDetails.requiresUpload {\n                // Offline payment, wait for `didForwardPaymentIntent` (see snippet below)\n            } else {\n                // Online payment, can be captured now\n            }\n        }\n        // else, handle other intent.status results here\n    }\n}`\n```\n\nCapture an offline payment after the SDK forwards it in your OfflineDelegate’s `didForwardPaymentIntent`:\n\nCustomOfflineDelegate.swift\n\nSelect a language\n\nSwift\n\nObjective-C\n\n No results\n\n```\n`import StripeTerminal\n\nclass CustomOfflineDelegate: OfflineDelegate {\n    // ...\n    func terminal(_ terminal: Terminal, didForwardPaymentIntent intent: PaymentIntent, error: Error?) {\n        if let error = error {\n            // Handle the error appropriate for your application\n            return\n        }\n\n        if intent.status == .requiresCapture {\n            // The intent is ready to be captured.\n        } else {\n            // Handle the intent.status as appropriate.\n        }\n    }\n    // ...\n}`\n```\n\n["
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      "content": "##Migrate to the latest flexible payment scenarios | Stripe Documentation\n\n## Choose how to capture more than initially authorized amount\n\nTwo of the flexible payment features allow you to capture an amount larger than initially authorized:\n\n- Over capture up to a certain limit ([Capture more than the authorized amount on a payment](/payments/overcapture))\n- Increment the existing authorization and then capture the newly authorized amount ([Increment an authorization](/payments/incremental-authorization))\n\nThe example below showcases how these features can complement each other in the generally available version.\n\nCommand Line\n\nSelect a language\n\ncURL\n\nStripe CLI\n\nRuby\n\nPython\n\nPHP\n\nJava\n\nNode.js\n\nGo\n\n.NET\n\n No results\n\n```\n`curl https://api.stripe.com/v1/payment_intents \\\n  -u \"sk_test_...:\" \\\n  -d amount=1000 \\\n  -d currency=usd \\\n  -d \"allowed_payment_method_types[]=card\" \\\n  -d payment_method=pm_card_visa \\\n  -d confirm=true \\\n  -d capture_method=manual \\\n  -d \"expand[]=latest_charge\" \\\n  -d \"payment_method_options[card][request_incremental_authorization]=if_available\" \\\n  -d \"payment_method_options[card][request_overcapture]=if_available\"`\n```\n\n```\n`// PaymentIntent Response\n{\n  \"object\": \"payment_intent\",\n  \"amount\": 1000,\n  ...\n  // if latest_charge is expanded\n  {\n    \"latest_charge\": {\n      \"payment_method_details\": {\n        \"card\": {\n          \"incremental_authorization\": {\n              \"status\": \"available\" // or \"unavailable\"\n          },\n          \"overcapture\": {\n              \"status\": \"available\", // or \"unavailable\"\n              \"maximum_amount_capturable\": 1200\n          }\n        }\n      }\n      ...\n    }\n  }\n}`\n```\n\nUpon [confirmation](/api/payment_intents/confirm) of the PaymentIntent, if both features are available, you have options on the next steps to capture a larger amount than initially authorized:\n\n1. Overcapture if the desired amount is equal or below the `maximum_amount_capturable`.\n2. Perform an incremental authorization to the desired amount, then capture.",
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"##Capture a payment multiple times | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content) Capture a payment multiple times [Create account](https://dashboard.stripe.com/register/terminal) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs"… (+2902 chars)
"##Capture a payment multiple times | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content) Capture a payment multiple times [Create account](https://dashboard.stripe.com/register/terminal) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fterminal%2Ffeatures%2Fmulticapture) [ ](/) Search/Ask AI [Create account](https://dashboard.stripe.com/register/terminal)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fterminal%2Ffeatures%2Fmulticapture) APIs & SDKsHelp [Overview](/payments)[Accept a payment](/payments/accept-a-payment) Online payments [Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started) Use Payment Links Build a payments page Build a custom integration with Elements Build an in-app integration Use Managed Payments [Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations) In-person payments [Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands) Readers Ready-made apps Custom integration [Design an integration](/terminal/designing-integration) [Quickstart](/terminal/quickstart) [Example applications](/terminal/example-applications) [Testing](/terminal/references/testing) Terminal setup [Set up your integration](/terminal/payments/setup-integration) [Multiparty payments with Connect](/terminal/features/connect) [Connect to a reader](/terminal/payments/connect-reader) Accepting a payment [Collect card payments](/terminal/payments/collect-card-payment) [Additional payment methods](/terminal/payments/additional-payment-methods) [Support unattended payments](/terminal/unattended-readers) [Accept offline payments](/terminal/features/operate-offline/overview) [Mail order and telephone order payments](/terminal/features/mail-telephone-orders/overview) [Accept gift cards](/terminal/features/gift-cards) [Regional considerations](/terminal/payments/regional) [Localize API error messages](/terminal/features/locale-config) During checkout [Collect tips](/terminal/features/collecting-tips/overview) [Collect and save payment details for future use](/terminal/features/saving-payment-details/overview) Flexible authorizations [Incremental authorizations](/terminal/features/incremental-authorizations) [Extended authorizations](/terminal/features/extended-authorizations) Capture a payment multiple times After checkout [Refund transactions](/terminal/features/refunds) [Provide receipts](/terminal/features/receipts) [Print content on a reader](/terminal/features/print-content) Customize checkout [Cart display](/terminal/features/display) [Collect on-screen inputs](/terminal/features/collect-inputs) [Collect swiped data](/terminal/features/collect-data) [Collect tapped data for NFC instruments](/terminal/features/collect-nfc-data) [Apps on devices](/terminal/features/apps-on-devices/overview) References [JavaScript API reference](/terminal/references/api/js-sdk) [SDK versioning and support](/terminal/references/sdk-versioning) [SDK migration guide](/terminal/references/sdk-migration-guide) [Deployment"
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"##Place a hold on a payment method | Stripe Documentation\n\n## Capture the funds\n\n#### Checkout Sessions has a PaymentIntent ID\n\nIf you’re using the Checkout Sessions API, make sure you use the [PaymentIntent ID](/api/checkout/sessions/object#checkout_session_object-payment_intent"… (+2120 chars)
"##Place a hold on a payment method | Stripe Documentation\n\n## Capture the funds\n\n#### Checkout Sessions has a PaymentIntent ID\n\nIf you’re using the Checkout Sessions API, make sure you use the [PaymentIntent ID](/api/checkout/sessions/object#checkout_session_object-payment_intent) that is returned in the Checkout Session object.\n\nAfter the payment method is authorized, the PaymentIntent [status](/api/payment_intents/object#payment_intent_object-status) transitions to `requires_capture`. To capture the authorized funds, make a PaymentIntent [capture](/api/payment_intents/capture) request. This captures the total authorized amount by default. To capture less or (for certain online card payments) more than the initial amount, pass the [amount\\_to\\_capture](/api/payment_intents/capture#capture_payment_intent-amount_to_capture) option. A partial capture automatically releases the remaining amount. If attempting to capture more than the initial amount for an online card payment, refer to the [overcapture documentation](/payments/overcapture).\n\nThe following example demonstrates how to capture 7.50 USD of the authorized 10.99 USD payment:\n\nCommand Line\n\nSelect a language\n\ncURL\n\nStripe CLI\n\nRuby\n\nPython\n\nPHP\n\nJava\n\nNode.js\n\nGo\n\n.NET\n\n No results\n\n```\n`curl https://api.stripe.com/v1/payment_intents/pi_123/capture \\\n  -u \"sk_test_...:\" \\\n  -d amount_to_capture=750`\n```\n\nAlthough some card payments are eligible for [multicapture](/payments/multicapture), you can only perform one capture on an authorized payment for most payments. If you partially capture a payment, you can’t perform another capture for the difference. (Instead, consider [saving the customer’s payment method details for later](/payments/save-during-payment?payment-ui=elements#save-payment-details-for-future-use) and creating future payments as needed.)\n\nCard statements from some issuers and interfaces from payment methods don’t always distinguish between authorizations and captured (settled) payments, which can sometimes confuse customers.\n\nAdditionally, when a customer completes the payment process on a PaymentIntent with manual capture, it triggers the `payment_intent.amount_capturable_updated` event. You can inspect the PaymentIntent’s [amount\\_capturable](/api/payment_intents/object#payment_intent_object-amount_capturable) property to see the total amount that you can capture from the PaymentIntent."
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"##Place a hold on a payment method | Stripe Documentation\n\n### Card-present transactions (in-person payments)\n\n| Card brand | Authorization validity window |\n| --- | --- |\n| **Visa** | 5 days\\* |\n| **Mastercard** | 2 days |\n| **American Express** | 2 days |\n| **Discover** | 2 day"… (+1616 chars)
"##Place a hold on a payment method | Stripe Documentation\n\n### Card-present transactions (in-person payments)\n\n| Card brand | Authorization validity window |\n| --- | --- |\n| **Visa** | 5 days\\* |\n| **Mastercard** | 2 days |\n| **American Express** | 2 days |\n| **Discover** | 2 days |\n\n\\* The exact authorization window is 4 days and 18 hours, to allow time for clearing processes.\n\n### 30-day authorization windows in Japan\n\nIf your account is based in Japan, you can hold JPY-denominated transactions from Visa, Mastercard, JCB, Diners Club, and Discover for up to 30 days. Non-JPY and American Express transactions expire according to the [standard authorization windows](docs.stripe.com#authorization-validity-windows).\n\n## Payment method limitations\n\nBefore implementing, understand the following limitations for authorizing and capturing separately.\n\n- Only some payment methods support separate authorization and capture. Some payment methods that support this include cards, Affirm, Afterpay, Cash App Pay, Klarna, and PayPal. Some payment methods that don’t support this include [ACH](/payments/ach-direct-debit) and [iDEAL](/payments/ideal). Read more about [payment method feature support](/payments/payment-methods/payment-method-support).\n\n- Beyond what’s outlined in the tables above, other payment methods have different rules and authorization windows:\n\n## Use the Dashboard to authorize and capture\n\nYou can authorize a payment and capture funds separately without writing code.\n\n1. In the Dashboard, [create a new payment](https://dashboard.stripe.com/test/payments/new). Select **One-time**.\n2. When you enter or select the payment method, select **More options** then **Capture funds later**.\n\nThe payment appears in your [payments page](https://dashboard.stripe.com/test/payments) as **Uncaptured**.\n\nTo capture the funds, go to the payment details page and click **Capture**."
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"##Flexible payment scenarios | Stripe Documentation\n\n# Flexible payment scenarios\n\n## Support complex payment flows through flexible and customizable acquiring features.\n\nAsk about this page\nCopy for LLM\n\nView as Markdown\nInstall tools\n\nStripe’s payment acquiring features provide"… (+1375 chars)
"##Flexible payment scenarios | Stripe Documentation\n\n# Flexible payment scenarios\n\n## Support complex payment flows through flexible and customizable acquiring features.\n\nAsk about this page\nCopy for LLM\n\nView as Markdown\nInstall tools\n\nStripe’s payment acquiring features provide the flexibility needed to manage complex payment scenarios, such as capturing funds as you fulfill shipments or incrementing an authorization amount when order details change.\n\nThe functionality highlighted below is available to all users on [IC+ pricing](https://support.stripe.com/questions/understanding-blended-interchange-pricing).\n\n[\n\nMulticapture\n\n \n\nPartially capture a PaymentIntent multiple times, for example when processing orders with multiple shipments.\n\n](/payments/multicapture \"Multicapture\")\n\n[\n\nOvercapture\n\n \n\nCapture more than the authorized amount of a PaymentIntent, for example when collecting a tip.\n\n](/payments/overcapture \"Overcapture\")\n\n[\n\nIncremental authorization\n\n \n\nIncrease the authorized amount of a PaymentIntent before capturing it, for example when adding a good or service to an existing order.\n\n](/payments/incremental-authorization \"Incremental authorization\")\n\n[\n\nExtended authorization\n\n \n\nExtend the time period to capture an authorized PaymentIntent from 7 to up to 30 days, for example when processing a hotel reservation.\n\n](/payments/extended-authorization \"Extended authorization\")\n\n[\n\nPartial authorization\n\n \n\nAuthorize a partial amount of the originally requested amount for a card transaction when the available balance is insufficient to cover the full amount.\n\n](/payments/partial-authorization \"Partial authorization\")"
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"##Payment capture strategies businesses need to know | Stripe\n\n## What is payment capture?\n\nPayment capture is the moment when the acquirer starts the process of moving money from your customer’s account to yours. It happens after [authorisation,](https://stripe.com/en-fi/resourc"… (+737 chars)
"##Payment capture strategies businesses need to know | Stripe\n\n## What is payment capture?\n\nPayment capture is the moment when the acquirer starts the process of moving money from your customer’s account to yours. It happens after [authorisation,](https://stripe.com/en-fi/resources/more/credit-card-payment-authorization-and-transaction-settlement-process) which is when the customer’s bank approves the charge, and before settlement, which is when the funds arrive in your business bank account.\n\nIf you see a payment marked as “authorised but not yet captured”, that means the money is reserved but hasn’t been collected yet. Once captured, the funds are on their way to your account.\n\nYou usually capture the exact amount authorised, but in some cases (e.g. when the final amount changes due to tips or adjustments) the amount captured can change slightly. In many systems, capture happens automatically after authorisation, but businesses can choose to separate the two steps and hold off on capture until later."
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"##Capture a payment multiple times | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture a payment multiple times\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe"… (+1821 chars)
"##Capture a payment multiple times | Stripe Documentation\n\n[Skip to content](docs.stripe.com#main-content)\n\nCapture a payment multiple times\n\n[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)\n\n[\n\n](/)\n\nSearch/Ask AI\n\n[Create account](https://dashboard.stripe.com/register)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)\n\nAPIs & SDKsHelp\n\n[Overview](/payments)[Accept a payment](/payments/accept-a-payment)\nOnline payments\n[Overview](/payments/online-payments)[Find your use case](/payments/use-cases/get-started)\nUse Payment Links\n\nBuild a payments page\n\nBuild a custom integration with Elements\n\nBuild an in-app integration\n\nUse Managed Payments\n\n[Recurring payments](/recurring-payments)[Migrate legacy integrations](/payments/migrations)\nIn-person payments\n[Overview](/terminal)[How Terminal works](/terminal/overview)[Availability](/terminal/payments/collect-card-payment/supported-card-brands)\nReaders\n\nReady-made apps\n\nCustom integration\n\nPayment methods\n\nAdd payment methods\n\nManage payment methods\n\nFaster checkout with Link\n\nPayment operations\n\nAnalytics\n\n[Balances and settlement time](/payments/balances)\nCompliance and security\n\nCurrencies\n\nDeclines\n\nDisputes\n\nPayouts\n\n[Receipts](/receipts)[Refunds and cancellations](/refunds)\nAdvanced integrations\n\nCustom payment flows\n\nFlexible acquiring\n\n[Overview](/payments/flexible-payments)\n\nCapture a payment multiple times\n\n[Capture more than the authorized amount on a payment](/payments/overcapture)\n\n[Place an extended hold on an online card payment](/payments/extended-authorization)\n\n[Increment an authorization](/payments/incremental-authorization)\n\n[Partially authorize a payment](/payments/partial-authorization)\n\n[Migrate from beta](/payments/flexible-features-migration)\n\nOff-Session Payments\n\nMultiprocessor orchestration\n\nBeyond payments\n\nIncorporate your company\n\nAgentic commerce\n\nFinancial Connections\n\nClimate\n\n Finland\n\n English (United States)"
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