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Capture more than the authorized amount on a payment

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[Get started](/get-started)[Payments](/payments)[Revenue](/revenue)[Data](/data)[Platforms and marketplaces](/connect)[Money management](/money-management)[Stablecoins](/stablecoins)[Developer resources](/development)

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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

Terminal overview

[Availability](/terminal/payments/collect-card-payment/supported-card-brands)
Readers

Ready-made apps

Custom integration

Payment methods

Add payment methods

Manage payment methods

Faster checkout with Link

Payment operations

Analytics

[Balances and settlement time](/payments/balances)
Compliance and security

Currencies

Declines

Disputes

Radar

Payouts

[Receipts](/receipts)[Refunds and cancellations](/refunds)
Advanced integrations

Custom payment flows

Flexible acquiring

[Overview](/payments/flexible-payments)

[Capture a payment multiple times](/payments/multicapture)

Capture more than the authorized amount on a payment

[Place an extended hold on an online card payment](/payments/extended-authorization)

[Increment an authorization](/payments/incremental-authorization)

[Partially authorize a payment](/payments/partial-authorization)

[Migrate from beta](/payments/flexible-features-migration)

Off-Session Payments

Multiprocessor orchestration

Beyond payments

Incorporate your company

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### Customer experience

In 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:

- “Why did I get charged for something that hasn’t shipped yet?”

- “Are they holding my money indefinitely?”

- “Is this business legitimate?”

Capturing 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.

## How does payment capture differ from authorisation?

Authorisation 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.

### Authorisation

When 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.

With 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.

A 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.

### Capture

Capturing 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.

After you capture payment:

- The bank sends you the funds

- The customer’s card is officially charged

- The transaction shows up as complete in your system and on the customer’s statement

## What industries benefit the most from delayed vs immediate capture?

The 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.

## Choose how to capture more than initially authorized amount

Two of the flexible payment features allow you to capture an amount larger than initially authorized:

- Over capture up to a certain limit ([Capture more than the authorized amount on a payment](/payments/overcapture))
- Increment the existing authorization and then capture the newly authorized amount ([Increment an authorization](/payments/incremental-authorization))

The example below showcases how these features can complement each other in the generally available version.

Command Line

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```
`curl https://api.stripe.com/v1/payment_intents \
  -u "sk_test_rfaBmNUu1lWB7VZ0MMSIsYjH:" \
  -d amount=1000 \
  -d currency=usd \
  -d "allowed_payment_method_types[]=card" \
  -d payment_method=pm_card_visa \
  -d confirm=true \
  -d capture_method=manual \
  -d "expand[]=latest_charge" \
  -d "payment_method_options[card][request_incremental_authorization]=if_available" \
  -d "payment_method_options[card][request_overcapture]=if_available"`
```

```
`// PaymentIntent Response
{
  "object": "payment_intent",
  "amount": 1000,
  ...
  // if latest_charge is expanded
  {
    "latest_charge": {
      "payment_method_details": {
        "card": {
          "incremental_authorization": {
              "status": "available" // or "unavailable"
          },
          "overcapture": {
              "status": "available", // or "unavailable"
              "maximum_amount_capturable": 1200
          }
        }
      }
      ...
    }
  }
}`
```

Upon [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:

1. Overcapture if the desired amount is equal or below the `maximum_amount_capturable`.
2. Perform an incremental authorization to the desired amount, then capture.

## Capture payment

](docs.stripe.com#capture-payment)

While offline, you can create PaymentIntents with `captureMethod` set to `automatic`.

After you confirm these PaymentIntents, they have a `Succeeded` status instead of `RequiresCapture`. Stripe automatically captures the payments after you forward them.

If you opt for manual capture, payments that are successfully forwarded and authorized require capture from your backend or application.

- To capture payments from your backend, use [webhooks](/webhooks) to listen for PaymentIntents with a `requires_capture` status.
- 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` .

PaymentViewController.swift

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Swift

Objective-C

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```
`Terminal.shared.confirmPaymentIntent(paymentIntent) { confirmResult, confirmError in
    if let error = confirmError {
        // Handle offline-specific errors in your application (for example,
        // unsupported payment method).
        print("confirmPaymentIntent failed: \(error)")
    } else if let confirmedPaymentIntent = confirmResult {
        if intent.status == .requiresCapture {
            if let offlineDetails = confirmedPaymentIntent.offlineDetails(),
               offlineDetails.requiresUpload {
                // Offline payment, wait for `didForwardPaymentIntent` (see snippet below)
            } else {
                // Online payment, can be captured now
            }
        }
        // else, handle other intent.status results here
    }
}`
```

Capture an offline payment after the SDK forwards it in your OfflineDelegate’s `didForwardPaymentIntent`:

CustomOfflineDelegate.swift

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Swift

Objective-C

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```
`import StripeTerminal

class CustomOfflineDelegate: OfflineDelegate {
    // ...
    func terminal(_ terminal: Terminal, didForwardPaymentIntent intent: PaymentIntent, error: Error?) {
        if let error = error {
            // Handle the error appropriate for your application
            return
        }

        if intent.status == .requiresCapture {
            // The intent is ready to be captured.
        } else {
            // Handle the intent.status as appropriate.
        }
    }
    // ...
}`
```

[

[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) [Get started](/get-started)[Payments](/payments)[Revenue](/revenue)[Data](/data)[Platforms and marketplaces](/connect)[Money management](/money-management)[Stablecoins](/stablecoins)[Developer resources](/development) More 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 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

## Capture the funds

#### Checkout Sessions has a PaymentIntent ID

If 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.

After 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).

The following example demonstrates how to capture 7.50 USD of the authorized 10.99 USD payment:

Command Line

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cURL

Stripe CLI

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Python

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Java

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```
`curl https://api.stripe.com/v1/payment_intents/pi_123/capture \
  -u "sk_test_rfaBmNUu1lWB7VZ0MMSIsYjH:" \
  -d amount_to_capture=750`
```

Although 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.)

Card statements from some issuers and interfaces from payment methods don’t always distinguish between authorizations and captured (settled) payments, which can sometimes confuse customers.

Additionally, 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.

### Card-present transactions (in-person payments)

| Card brand | Authorization validity window |
| --- | --- |
| **Visa** | 5 days\* |
| **Mastercard** | 2 days |
| **American Express** | 2 days |
| **Discover** | 2 days |

\* The exact authorization window is 4 days and 18 hours, to allow time for clearing processes.

### 30-day authorization windows in Japan

If 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).

## Payment method limitations

Before implementing, understand the following limitations for authorizing and capturing separately.

- 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).

- Beyond what’s outlined in the tables above, other payment methods have different rules and authorization windows:

## Use the Dashboard to authorize and capture

You can authorize a payment and capture funds separately without writing code.

1. In the Dashboard, [create a new payment](https://dashboard.stripe.com/test/payments/new). Select **One-time**.
2. When you enter or select the payment method, select **More options** then **Capture funds later**.

The payment appears in your [payments page](https://dashboard.stripe.com/test/payments) as **Uncaptured**.

To capture the funds, go to the payment details page and click **Capture**.

[Skip to content](docs.stripe.com#main-content)

Capture a payment multiple times

[Create account](https://dashboard.stripe.com/register) or [Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)

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[Create account](https://dashboard.stripe.com/register)[Sign in](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fdocs.stripe.com%2Fpayments%2Fmulticapture)

[Get started](/get-started)[Payments](/payments)[Revenue](/revenue)[Data](/data)[Platforms and marketplaces](/connect)[Money management](/money-management)[Stablecoins](/stablecoins)[Developer resources](/development)

More

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

Terminal overview

[Availability](/terminal/payments/collect-card-payment/supported-card-brands)
Readers

Ready-made apps

Custom integration

Payment methods

Add payment methods

Manage payment methods

Faster checkout with Link

Payment operations

Analytics

[Balances and settlement time](/payments/balances)
Compliance and security

Currencies

Declines

Disputes

Radar

Payouts

[Receipts](/receipts)[Refunds and cancellations](/refunds)
Advanced integrations

Custom payment flows

Flexible acquiring

[Overview](/payments/flexible-payments)

Capture a payment multiple times

[Capture more than the authorized amount on a payment](/payments/overcapture)

[Place an extended hold on an online card payment](/payments/extended-authorization)

[Increment an authorization](/payments/incremental-authorization)

[Partially authorize a payment](/payments/partial-authorization)

[Migrate from beta](/payments/flexible-features-migration)

Off-Session Payments

Multiprocessor orchestration

Beyond payments

Incorporate your company

Agentic commerce

Financial Connections

Climate

Verify identities

 Finland

 English (United States)

# Flexible payment scenarios

## Support complex payment flows through flexible and customizable acquiring features.

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Stripe’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.

The functionality highlighted below is available to all users on [IC+ pricing](https://support.stripe.com/questions/understanding-blended-interchange-pricing).

[

Multicapture

 

Partially capture a PaymentIntent multiple times, for example when processing orders with multiple shipments.

](/payments/multicapture "Multicapture")

[

Overcapture

 

Capture more than the authorized amount of a PaymentIntent, for example when collecting a tip.

](/payments/overcapture "Overcapture")

[

Incremental authorization

 

Increase the authorized amount of a PaymentIntent before capturing it, for example when adding a good or service to an existing order.

](/payments/incremental-authorization "Incremental authorization")

[

Extended authorization

 

Extend the time period to capture an authorized PaymentIntent from 7 to up to 30 days, for example when processing a hotel reservation.

](/payments/extended-authorization "Extended authorization")

[

Partial authorization

 

Authorize a partial amount of the originally requested amount for a card transaction when the available balance is insufficient to cover the full amount.

](/payments/partial-authorization "Partial authorization")

## What is payment capture?

Payment 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.

If 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.

You 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.