Configure auto-capture settings for individual payments using APIs and at an account level using the Dashboard.
Razorpay enables you to accept online payments from your customers. When a customer makes a payment, it usually flows through different states. Know more about
By default, once your customer completes a payment, it is automatically moved to the captured state. However, the payment can remain in the authorized state in the following scenarios:
Late authorization
Due to external factors such as network issues or technical errors, Razorpay may not immediately receive payment status from the bank. In this case, Razorpay polls the APIs intermittently for 3 days to check the status. If we receive the payment status as successful, the payment is moved to the authorized state. Know more about
Specific business use case
Some businesses such as those in the Ecommerce industry, may retain the payment in the authorized state and later move them to the captured state.
Handy Tips
You must ensure that all payments in the authorized state are moved to captured state within 3 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:
Only a Razorpay account owner can configure payment capture settings on the Razorpay Dashboard. Users with other roles are not allowed to configure this setting.
Option
Description
Auto-capture all payments
All payments authorized within 3 days from the time of creation are auto-captured.
Auto-capture timeouts
Allows you to define custom auto-capture timeout.
The minimum value is 12 minutes.
The maximum value (default) is 3 days.
Manual capture timeout
Allows you to define custom manual capture timeout.
The minimum value is 12 minutes.
The maximum value (default) is 3 days.
Auto-refund speed
Payments in the authorized state are auto-refunded after the timeout. The available option is Normal Refund where the payment is refunded to your customer in 5-7 working days. The refund speed selected here is only applicable to payments that are auto-refunded.
Prerequisites
Payment Capture settings are applicable only for payments created using the Orders API.
For Direct Settlement merchants, payments will be auto-captured even if they are created without using the Orders API.
You can use this setting to capture all authorized payments automatically. This eliminates the time and effort spent manually capturing payments. This is the default setting for all customers.
Watch this video to know how to set up the Automatic Capture option.
Let us say you only want to manually capture payments that are authorized within 3 days from creation. To do this, you should set the manual capture timeout as 3 days.
Capture Settings
Select Manual Capture
Manual capture timeout = 3 days.
Payments auto-refunded if
Payments not captured by you within 3 days.
Payments are authorized after 3 days.
Watch this video to set up the Manual Capture option.
take precedence over the Payment Capture settings configured on the Razorpay Dashboard. You can use this to change the capture settings for individual payments.