Get Payment Authorizations

Credit card transactions are made up of an authorisation and capture step. The authorisation component verifies the card is valid and requests the cardholders bank to place a hold on the funds. The capture then instructs the card issuer to send the funds to Pay Advantage for settlement to your merchant bank account. Generally when you process a card transaction on our platform we combine both the authorisation and the capture into one call for ease of use and simplicity.

We offer the ability for you to separate calls into two components allowing you to first authorise a transaction and place a hold on funds. Then either capture the funds or void the authorisation at a later date. This feature proves valuable in situations where you need to confirm the customer's available funds but might not require capturing those funds immediately, or you may need to capture an amount less than what was initially placed on hold.

For instance:
- Hotel mini-bar, first night of accommodation or security deposit.
- Hospitality venues when opening a bar account.
- Prior to dispatching goods to allow time to verify a customers identity or verify stock.

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