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Overcapture a payment

Update the original authorized amount, for tipping on the receipt or closing bar tabs.

Overcapture means that after the initial authorization of a payment, you capture the payment with an amount that is higher than the authorized amount. This is typically used for:

  • Tipping on the receipt: this is a transaction flow where the customer first presents their card and completes the payment, and then writes a tip amount on the receipt and signs for it. This means that initially the transaction amount is authorized, but the tip amount is not. In the capture request, you add the tip amount to the initial amount.

  • Bar tabs: when you open a tab for a customer, you authorize a certain initial amount on the customer's card. Each time the customer places an additional order, you add the order to the customer's tab. When the customer closes their tab, you send a capture request for the total amount of all the orders on the tab and any tip.

Risk of overcapturing

When the authorization request succeeds, you know that the funds available in the customer's account are enough for the initial amount. However, there is a risk that the available funds are not enough for a higher final amount.

When the issuer declines the additional amount, the card scheme can issue a chargeback for the portion of the final amount that is above the initial amount plus a certain percentage. This percentage differs per card scheme and ranges from 0-20%. For example, if the initial amount is USD 100, the updated amount is USD 150, and the overcapture percentage from the card scheme is 10%, you risk a chargeback of USD 40 if the issuer doesn't accept the overcapture.

An alternative for overcapturing is pre-authorization followed by authorization adjustment.

Requirements

To use overcapture:

Procedure

  1. Make an authorization request by sending a POST request to the /hosttohostpaymentgateway/v#/payments endpoint.

  2. Make a completion request by sending a POST request to the hosttohostpaymentgateway/v#/payments/{paymentPspsReference}/completions endpoint. In the URL, {paymentPspReference} is the pspReference of the authorization response.

    If the default capture method for your account is not manual, set captureDelay to manual in your completion request.

  3. Make a manual capture request for the updated amount.

See also