Late Payment Authorisations
Check the Late Payment authorisation and its causes; differences between normal and late authorised payments and how to handle them.
Late authorisation is a situation that arises when a payment is interrupted by external factors, such as network issues or technical errors at the customer's or bank's end. In such cases, funds may or may not get debited from the customer's bank account, and Razorpay does not receive a bank's payment status.
If there is no response from the bank about a payment that a customer has made, the Razorpay Dashboard displays this transaction's status as
Created. If there is no response, even after 10 minutes, the transaction is marked as
Failed due to timeout. After that, Razorpay polls the bank at various intervals for 5 days, from the payment creation day. During this time, if our system receives the payment status from the bank as Successful, the payment is marked as
Authorized. The payments authorised in this manner are considered as late authorised.
On average, less than 0.5% of the total number of payments get late authorised. In cases where funds get debited from the customer's bank account and are not
Not all payments that appear as failed are considered as late authorised. Late authorisation is a special case of handling technical or manual interruptions that prevent Razorpay from receiving payment status from the bank and proceed with the payment flow.
Interruptions that prevent a payment gateway from receiving payment status information from the bank is a common cause for late authorisations. In most cases, payments are interrupted because of any of the following reasons:
- Network issues at the customer's end.
- Technical issues at the customer's bank's end.
- Customers closing the pop-up window or pressing the back button after submitting the OTP.
If Razorpay can receive the payment status from the bank later, payment is moved to the
authorized state leading to late payment authorisation. You have little control over these interruptions. Know more about
The difference in the payment flow for a normal payment and a late authorised payment is explained in the table below:
|Normal Payment||Late Authorised Payment|
|The customer completes the payment; bank gateway notifies Razorpay .||The customer completes the payment; bank gateway fails to notify Razorpay .|
|If the bank gateway response is Successful (customer's bank account is debited), Razorpay records this as an Authorised payment.||If there is no response from the bank, the payment remains in the Created state for the first 10 minutes and is later marked as Failed after getting timed out. The customer's bank account may or may not have been debited.|
|Once authorised, you can either choose to capture or refund this payment.||This payment can be Captured or Refunded only if it is late authorised.|
Authorised payments are payments that the customer completes. You need to capture the payment for it to be settled in your account.
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