Place an extended hold on an online card payment

Extended authorisations have a longer authorisation validity period, which allows you to hold customer funds for longer than standard authorisation validity windows. For most card networks, the default authorisation validity period is 7 days for online payments and 2 days for in-person Terminal payments, whereas extended validity periods can go up to 30 days depending on the card network. For more information about authorisation validity windows, see place a hold on a payment method.

Availability

When you use extended authorisations, there are no regional restrictions. However, be aware of the following limitations:

• They’re only available with Visa, Mastercard, American Express, and Discover.
• Certain card brands have merchant category restrictions. Refer to the network availability table below.
• This page describes extended authorisations for online card payments. For in-person card payments using extended authorisations, refer to the Terminal documentation.

Availability by card network and merchant category

Every card network has different rules that determine which payments have extended authorisations available, and how long they’re valid. The following table shows the validity windows and transaction types that extended authorisation is available for using Visa, Mastercard, American Express, and Discover. However, we recommend that you rely on the capture_before field to confirm the validity window for any given payment because these rules can change without prior notice.

Best Practices

Customers see their funds held longer when you use extended authorisations. Use clear statement descriptors to avoid increased disputes from unrecognised payments.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1099 \
  -d currency=usd \
  -d payment_method=pm_card_visa \
  -d confirm=true \
  -d capture_method=manual \
  -d "expand[]"=latest_charge \
  -d "payment_method_options[card][request_extended_authorization]"=if_available

// PaymentIntent response
{
  "id": "pi_xxx",
  "object": "payment_intent",
  "amount": 1000,
  "amount_capturable": 1000,
  "amount_received": 0,
  "status": "requires_capture",
  ...
  // if latest_charge is expanded
  "latest_charge": {
      "id": "ch_xxx",
      "object": "charge",
      "payment_method_details": {
        "card": {
          "amount_authorized": 1000,
          "capture_before": 1696524701,
          "extended_authorization": {
              "status": "enabled", // or "disabled"
          }
        }
      }
      ...
    }
  ...
}