API ReferenceIntegrationsKnowledge Base

Payment Capture Settings

Razorpay enables you to accept online payments from your customers. When a customer makes a payment, it usually flows through the following states:

States

Description

created

This is the initial step wherein the customer submits the payment information and it is sent to Razorpay. The payment has not been processed at this stage.

authorized

Authorization is performed when customer's payment details are successfully authenticated by the bank. The money is deducted from the customer’s account by Razorpay, but will not be settled to your account until the payment is captured, either manually or automatically. Any payment in this state is auto-refunded to the customer if it is not captured within 5 days of creation.

captured

When the status of the payment is changed to captured, the payment is verified as complete by Razorpay. After the capture, the amount is settled to your account as per the settlement schedule.

refunded

You can refund the payments that have been successfully captured at your end. The amount is reversed to the customer's account.

failed

Any unsuccessful transaction is marked as failed and the customer will have to retry the payment.

The following state diagram depicts the flow of money through the payment states:

By default, once your customer completes a payment, it is automatically moved to captured state. However, the payment can remain in the authorized state in the following scenarios:

You must ensure that all payments in authorized state are moved to captured state within 5 days of creation. This is mandatory because payments that are not captured within this time period will be refunded automatically to customers.

You can configure Payment Capture settings on the Razorpay Dashboard. You can choose to:

Option

Description

Auto-capture all payments

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

Auto-capture timeouts

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

Manual capture timeouts

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

Auto-refund speed

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

Follow these steps 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.

Auto-Capture with Custom Timeouts#

Once the payment is created, you can:

  • auto-capture payments that are authorized within a certain time period, and
  • manually capture payments that are authorized after that time period.

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 2 days from creation.

Capture Settings

● Select Automatic CaptureSetup custom timeout
● Automatic capture timeout = 2 days.
● Manual capture timeout = Skipping this setting.

Payments auto-refunded if

Payments authorized after 2 days.



Auto-capture + Manual Capture Timeouts#

Let us say you want to:

  • Auto-capture payments that are authorized within 2 days from creation.
  • Manually capture payments that are authorized within 3 days from creation.

Capture Settings

● Select Automatic CaptureSetup custom timeout
● Automatic capture timeout = 2 days.
● Manual capture timeout = 3 days.

Payments auto-refunded if

● Payments not captured by you within 3 days.
● Payments authorized after 3 days.



Follow these steps to configure capture settings:

  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 how to set up custom timeouts for automatic and manual capture.

Manually Capture all Payments#

You can use this setting to manually capture all 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 3 days from creation.

Capture Settings

● Select Manual CaptureSetup custom timeout
● Manual capture timeout = 3 days.

Payments auto-refunded if

● Payments not captured by you within 3 days.
● Payments authorized after 3 days.



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 Capture 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 how to set up the Manual Capture option.