Authorization vs. Capture

Approving a card for an amount, then actually claiming the money — two separate steps.

An authorization asks the issuer to approve and hold an amount on the cardholder's account; a capture is the later instruction that actually claims it for settlement. Restaurants rely on the gap between the two for tipping: the card is authorized when the guest signs and captured afterwards for the adjusted total. An authorization that is never captured falls off on its own, which is why a guest can see a pending charge that later vanishes.

Related terms

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