Acquiring
Delayed capture
Authorising a card at order time and capturing funds later (up to seven days for Visa, 30 days for travel/rental), keeping the auth hold on the cardholder's line.
Related terms
Authorisation
Real-time issuer check confirming a card is valid and funds are available; results in an approval code, decline, or referral response.
Capture
The step where an authorised transaction is submitted for settlement, converting a hold into a cleared debit against the cardholder's account.
Authorisation hold
The reservation of funds on a cardholder's account after a successful authorisation; expires after the scheme's decision-time window if not captured.
Related guides.
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