API ReferenceIntegrationsKnowledge Base

Payment Capture Settings

When a payment made by your customer is authorized, it needs to be captured for it to be settled in your bank account. Payment Capture Setting allows you to configure the capture settings at an account level via the Dashboard. This feature gives you the following options.

Option

Description

Auto-capture all payments

All payments authorized with 5 days from the time of creation are auto-captured.

This is the default setting for all new merchants.

Auto-capture timeouts

Allows you to define custom auto-capture and manual capture timeouts.
● Minimum value is 12 minutes.
● Maximum value (default) is 5 days.

Manual capture timeouts

Allows you to define custom auto-capture and manual capture timeouts.
● Minimum value is 12 minutes.
● Maximum value (default) is 5 days

Auto-refund speed

Payments in the authorized state after the timeout are auto-refunded. Available options:
Normal Refund: The payment is refunded back to your customer in 5-7 working days.
Instant Refund: The payment is refunded back to your customer within a few hours.

Refund Speed
● The refund speed selected here is only applicable to payments that are auto-refunded.
●We charge a small transaction fee to process instant refunds. Refer to the Instant Refunds document for more details.

Prerequisite:
Payment Capture settings are applicable only for payments created using the Orders API.

Auto-capture all Payments#

You can use this setting to automatically capture all authorized payments. This eliminates the time and effort spent in manually capturing payments.

Note:
This is the default setting for all new merchants.

Steps#

If you want to auto-capture all authorized payments:

  1. Log into your Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Click the Automatic Capture radio button.
  4. Click the Capture all payments automatically radio button.
  5. Click Save & Close.

The short animation below shows you how to set up the Automatic Capture option.

Setup Custom Timeouts#

Once a payment is created, you might want to auto-capture payments that are authorized within a certain time period and manually capture payments within a time period beyond that. You can do this by setting up custom timeouts for automatic and manual capture.

Auto-capture Timeout#

Let us say you only want to auto-capture payments that are authorized within 3 hours from creation.

Capture Settings

● Select Automatic CaptureSetup custom timeout
● Automatic capture timeout = 3 hours.
● Manual capture timeout = Skipping this setting.

Payments are auto-refunded if

Payments authorized after 3 hours are auto-refunded.



Auto-capture + Manual Capture Timeouts#

Let us say you want to only want to:

  • Auto-capture payments that are authorized within 3 hours from creation.
  • Manually capture payments that are authorized within 8 hours from creation.

Capture Settings

● Select Automatic CaptureSetup custom timeout
● Automatic capture timeout = 3 hours.
● Manual capture timeout = 8 hours.

Payments are auto-refunded if

● Payments are not captured by you within 8 hours.
● Payments are authorized after 8 hours.



Steps#

  1. Log into your Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Select the Automatic Capture.
  4. Select Setup custom timeout and click Done.
  5. Configure the following parameter according to your preference:
    • Set Automatic Capture Timeout.
    • Add Manual Capture Timeout.
    • Set Refund Speed.
  6. Click Save & Close.

The short animation below shows you how to set up custom timeouts for automatic and manual capture.

Manually Capture all Payments#

You can use this setting to manually capture authorized payments. This allows you to choose which payments to capture.

Manual Capture Timeout#

Let us say you only want to manually capture payments that are authorized within 10 hours from creation.

Capture Settings

● Select Manual CaptureSetup custom timeout
● Manual capture timeout = 10 hours.

Payments are auto-refunded if

● Payments are not captured by you within 10 hours.
● Payments are authorized after 10 hours.



Steps#

If you want to manually capture all payments irrespective of the time it takes for the payment to be authorized:

  1. Log into your Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Select the Manual Capture option.
  4. Add a manual capture timeout according to your preference and click Next.
  5. Select your preferred Refund Speed. Available options:
    • Normal Refund.
    • Instant Refund.
  6. Click Save & Close.

You can manually capture payments in the authorized state using our API or from the Dashboard. All payments that are not captured within the manual timeout period will be auto-refunded.

The short animation below shows you how to set up the Manual Capture option.

Override Global Settings#

Capture values passed in the Orders API will override the Payment Capture settings if there is any conflict.

For example, if you send capture = 0 (manual capture) in the Orders API, this will override the auto-capture setting you have configured on the Dashboard.

You can use this to change the capture settings for individual payments.