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Finance · Payments
Card Authorization and Capture
Reference entry · last updated 20260910
Card authorization is the issuer’s approval of a requested payment, typically with a hold on available funds or credit. Capture submits an authorized amount for collection.[1]
1. First principles: approval and collection
An authorization creates a limited opportunity to capture a payment. Its validity depends on the card network and transaction type. An expired, uncaptured hold releases the reserved amount.[1]
2. Capture options
A merchant can capture an eligible authorization in full or in part. Multiple captures require specific support; Stripe documents them as available for only some card payments. The gateway’s transaction status and capture deadline govern the next permitted operation.[1]
3. Cancellation and refund
Cancellation stops an uncaptured payment. After capture, returning a payment generally uses a refund. Refund availability and processing depend on the payment’s status and provider.[2]
4. Settlement and payout
Capture, clearing, settlement, and payout describe different stages. Adyen’s documented “Settled” status means it has received the funds; merchant payout is a separate event.[3]