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

An authorisation is performed when the bank successfully authenticates the customer's payment details. 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 not captured within 5 days of creation.

captured

When the payment status 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 the captured state. However, the payment can remain in the authorized state in the following scenarios:

You must ensure that all payments in the 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:

Handy Tips
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 5 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 5 days.

Manual capture timeout

Allows you to define custom manual capture timeout.
● The minimum value is 12 minutes.
● The 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.

Refund Speed
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.

Auto-capture All Payments🔗

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

Handy Tips
This is the default setting for all customers.

Watch this video to see how to set up the Automatic Capture option.

To auto-capture all authorized payments:

  1. Log into the Razorpay Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Click the Change button next to Automatic Capture.
  4. Under Automatic Capture, click the drop-down and select the time period in the Capture all payments authorised within field. For example, 5 days.
  5. Click Next.
  6. Select Refund Automatically and click Next.
  7. Select Normal Refund as the Refund Speed.
  8. Click Save.

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 3 days from creation.

Capture Settings

● Select Automatic Capture
● Automatic capture timeout = 3 days.

Payments auto-refunded if

Payments are authorized after 3 days.



Watch this video to see how to set up the Automatic Capture with Timeout option.

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 Capture
● Automatic capture timeout = 2 days.
● 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 see how to set up the Automatic and Manual Capture with Timeout option.

To configure capture settings:

  1. Log into your Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Click the Change button next to Automatic Capture.
  4. Under Automatic Capture, click the drop-down and select the time period in the Capture all payments authorised within field. For example, 2 days.
  5. Click Next.
  6. Select Capture manually via dashboard or API.
  7. Click the drop-down and select the time period in the Capture payments manually authorised within field. For example, 3 days.
  8. Click Next.
  9. Select Normal Refund as the Refund Speed.
  10. Click Save.

Manually Capture Payments🔗

You can use this setting to capture authorized payments manually.

Manual Capture Timeout🔗

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.

To manually capture payments:

  1. Log into the Razorpay Dashboard.
  2. Navigate to the Settings option and scroll to the Payments Capture option.
  3. Click the Change button next to Automatic Capture.
  4. Select the Manual Capture option.
  5. Set the manual capture timeout to 3 days and click Next.
  6. Select Normal Refund as the Refund Speed.
  7. Click Save.

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.

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