Capture Controls let you finalize payment settlements precisely: from capturing the full amount immediately to splitting captures across multiple shipments or even adjusting captures above the original authorization.

Prerequisites

Active merchant account with capture permissions
PCI DSS Level 1 compliance

Limitations

Authorization must be captured within card-scheme validity (Visa: 10 days; MC/AMEX/Discover: 7 days)
Over-capture limits subject to network rules (typically up to 15–20%)

Compliance / Regulation Mandates

PCI DSS Level 1

All card data handling—authorization, capture, routing, and tokenization—must comply with PCI DSS Level 1 standards to secure cardholder information.

PSD2 Strong Customer Authentication

Two-factor authentication under PSD2 is required for EU card payments initiated by customers.

AML & KYC

Implement risk-based anti-money laundering controls and customer due diligence for card transactions, especially high-value or cross-border.

GDPR Data Protection

Ensure personal and payment data processed in card workflows adheres to GDPR principles, including minimization, consent, and secure handling.

Full Capture

Capture the full amount that was originally authorized. This is the most common and straightforward capture scenario.

Partial Capture

Single Partial Capture

Capture less than the total authorized amount in one call. You can repeat this until you’ve captured the full amount.

Multi Capture

Useful for scenarios like e‑commerce shipments or unified commerce across channels. Each shipment or service event triggers a separate partial capture.

Note: If isFinalCapture=true on a partial capture, the system voids any remaining authorized funds automatically.

Scheme Note: Capturing Mastercard authorizations after expiration (7 days) may succeed but incur late-capture fees. Capturing Visa after 10 days can fail and trigger integrity fees.

API Reference: Capture Transaction

Over Capture

Capture an amount slightly higher than the initially authorized value—commonly used for tips, incidentals, or service charges.

Important: Over-capture is limited by card network rules (often up to 15–20% above auth).

Workflow: Specify the higher amount field in your capture request.

API Reference: Capture Transaction