The preauthorization feature allows you to reserve funds on a card so they can be captured later. It’s a two-step process:
Preauthorize the funds to hold them for a defined period
Make the capture of the funds before the end of the hold period
Alternatively, you can cancel the preauthorization manually or let it reach its expiration date, at which point it is canceled automatically.At Mangopay, two separate preauthorization holds are available:
Preauthorization is the perfect process to manage delayed payments while making sure the funds will still be available at the end of the hold period.It’s a great tool for platforms to seamlessly handle a lot of uses cases, such as:
Platforms can wait until the service is provided or the order sent to charge the customer.
Renters can secure a deposit for the duration of the rental.
End users charged prior to capture in some countries
In Italy, Greece, and Spain, the secured funds are directly debited from the end user’s bank account and held by their bank until they are captured or released.This behavior is specific to some banks (of which an exhaustive list is not available). We strongly recommend you communicate this information clearly with your end users or avoid using the preauthorization feature for large amounts in these countries.
Some card have different limits for preauthorizations as compared to other payments - some users may even need to contact their bank prior to preauthorizing very large amounts.
The multi-capture functionality allows you to make several partial captures of preauthorized funds.
Note – Card brand availabilityMulti-capture is only possible with CB, Visa, and Mastercard card brands (CB_VISA_MASTERCARD card type).
Let’s take the example of a user purchasing several items from different sellers in the same basket:
The paying user makes one single payment for all these articles (preauthorization)
Your platform can then make one partial capture (preauthorized pay-in) per seller when the order is validated or shipped. If the order is not fulfilled, the remaining funds can be released.
Transferring the funds to the right seller and handling potential refunds becomes a lot easier this way.
Caution - Idempotency key required for multi-captureUnless accompanied by an idempotency key, two pay-ins are considered as duplicate if they are made:
Within 24 hours
For the same amount and currency With the same CardId