Overview

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.

In this guide you’ll learn

The differences between full, partial, and over captures
How to perform single vs. multi-step captures
Scheme-specific capture windows and late-capture considerations

Prerequisites & Limitations

Active merchant account with capture permissions
PCI DSS Level 1 compliance
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 capture and settlement operations must comply with PCI DSS Level 1 standards to ensure cardholder data security.
PSD2 Strong Customer Authentication: European capture operations require two-factor authentication under PSD2 for customer-initiated payments.
AML & KYC: Perform anti-money laundering checks and customer due diligence before authorizing or capturing high-risk transactions.
GDPR Data Protection: Ensure any personal or payment data used in capture workflows adheres to GDPR principles, including data minimization and explicit consent.

Feature Table

Feature	Description
Full Capture	Capture the entire authorized amount in one operation
Single Partial Capture	Capture a portion of the auth amount, repeatable until full settlement
Multi Capture	Perform multiple partial captures (e.g., per shipment or location)
Over Capture	Capture an amount above the original auth (within scheme limits)

Key Details

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