Authorize & Capture Payments
Customize transaction flows to pre-authorize orders and set rules around capturing payments
By default, bankcard payment transactions charge the customer immediately. In other words, the full amount of the payment is "captured" at the time of the transaction. As an alternative payment flow, 29 Next allows merchants to pre-authorize a customer's payment card, then capture the funds later - either automatically, at the time the order ships, or manually.
Credit card issuers allow for a payment to be first authorized, which checks that the card is valid and has sufficient available funds to cover the payment amount, and reserves those funds for a later capture. After the authorization, the merchant has a specific time period in which to capture the funds. Once this authorization period elapses, the authorization expires and funds can no longer be captured.
Standard bankcard transactions charge the customer's card the full amount of the purchase, and require a refund transaction to be processed to reverse the payment. By contrast, an authorization is not a final settlement, and can be voided at any time during the authorization period - usually without incurring a separate transaction fee.
Merchants may find it advantageous to first authorize payments, and then simply void any subsequent order cancellations, before capturing the balance.
In this way, merchants can mitigate transaction fees related to refunds, and reduce the risk of chargebacks or disputes stemming from billing inquiries. This also provides a window where merchants can review orders for potential fraud, or otherwise assist in meeting regulatory requirements for specific case-uses related to order fulfillment.
29 Next sets the payment flow at the Gateway level. To configure a Gateway for an Auth / Capture flow, navigate first to Settings > Payments > Gateways and select a Payment Account or External Gateway. Choose Actions > Update to open the gateway configuration view for your selected Gateway.
From this view, under Payment Flow choose Auth/Capture.
Specify a value for Delayed Capture Days up to a maximum of 7 days. If an authorized payment is not manually captured, it will be automatically captured at the end of this window.