Authorization establishes whether funds can be held
An approved authorization can place a temporary hold on the cardholder’s available funds. If you authorize separately, capture according to the gateway’s timing and amount rules. Ask your provider how expired, partial, or additional authorizations appear in your records.
Capture sends the payment toward settlement
Check the captured amount and transaction reference before treating a payment as ready for your fulfillment process. Record when the transaction moves through settlement and match the resulting payout through your finance workflow. If authorization and capture happen together, the store can show a single checkout action while the provider still tracks later settlement.
Choose a reversal based on the actual state
Ask which actions are available on the transaction. An eligible unsettled transaction may allow a void. Once it settles, a refund is generally the applicable action. Verify the provider’s result and keep the corresponding store record and customer message in agreement.
Sources and further reading
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