What is a Capture?
Capture is the process of finalising a previously authorised payment transaction, signalling the payment processor to include it in the next settlement batch and transfer funds to the merchant.
Overview
Capture is the process of finalising a previously authorised payment transaction, signalling the payment processor to include it in the next settlement batch and transfer funds to the merchant.
How It Works in Practice
In a typical card transaction, capture plays a key role in ensuring payments are processed accurately and securely. Understanding this concept helps businesses manage their payment operations more effectively.
PCI DSS Relevance
Under PCI DSS, all stages of payment processing must be secured. This includes the capture stage, where cardholder data must be protected from unauthorised access.
Paytia's secure payment platform handles the full transaction lifecycle for phone payments, including capture. All transactions are processed through PCI DSS Level 1 certified infrastructure.
Frequently Asked Questions
What is capture in payment processing?
Capture is the process of finalising a previously authorised payment transaction, signalling the payment processor to include it in the next settlement batch and transfer funds to the merchant.
How long does capture take?
The timing depends on the payment processor and card network. Most capture processes complete within 1-3 business days for UK transactions.
Can I track capture status?
Yes. Payment processors and platforms like Paytia provide real-time transaction status tracking through dashboards and API notifications.
Related Terms
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