How does auth and capture work?

General
1

I’m interested to implement auth and capture in one of my checkout websites. How does auth and capture work, and how is it different from the usual checkout payment?

2

Auth and capture is a payment processing feature that allows merchants to authorize a payment first and then capture it later. This gives merchants flexibility to verify funds before providing goods or services, delay the final charge until delivery or confirmation, and cancel the authorization if the order cannot be fulfilled.

In Maya Checkout, auth and capture works by creating an authorization intent, which represents the hold placed on the customer’s funds after completing Maya Checkout. The merchant can then create a capture intent to capture the authorized amount. The total captured amount cannot exceed the authorized amount, and multiple captures are supported as long as they happen on the same day.

In contrast, the usual checkout payment is a one-time straight payment that is processed immediately. It does not involve a separate authorization and capture step.

To implement auth and capture in Maya Checkout, merchants need to request activation from their Maya Relationship Manager, include the authorizationType field in the Create Checkout request, and call the Capture Payment API to capture the authorized transaction. They also need to monitor the authorization status and handle webhooks or retrieve transaction status using the provided APIs.

For Sandbox concerns and other technical implementation inquiries, please get in touch with us via:

  • Sandbox Health Page: Check real-time service status updates.
  • Maya Developer Hub Service Desk: File
    a ticket in Sandbox.

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3

wow! thanks for the comprehensive response. will do this

4

Hi @Cerie

To slightly correct the links that the AI provided, you may also refer to this documentation on Authorization and Capture for online payments: Authorize (Hold) and Capture.

Let us know if this helps. Thanks!

5

Thank you for sharing @carlos.matute. I’ll check this with our team.