オンラインカード決済に対して、保留期間を延長する
オーソリの延長を使用して、オーソリ後、最長 30 日後にオンラインのカード支払いをキャプチャする方法をご紹介します。
延長されたオーソリではオーソリの有効期間が長くなるため、標準のオーソリ有効期間よりも長く顧客の資金を保持できます。ほとんどのカードネットワークの場合、デフォルトのオーソリ有効期間は、オンライン決済の場合は 7 日間、対面の Terminal 決済の場合は 2 日間ですが、カードネットワークによっては、有効期間を最大 30 日間まで延長できます。オーソリの有効期間について詳細は、支払い方法の売上を保留をご覧ください。
Availability 
When you use extended authorizations, 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 authorizations for online card payments. For in-person card payments using extended authorizations, refer to the Terminal documentation.
- mode is set to
paymentand capture_method is set tomanualon the CheckoutSession.
IC+ Feature
We offer extended authorizations to users on IC+ pricing. If you’re on blended Stripe pricing and want access to this feature, contact us at support.stripe.com.
Availability by card network and merchant category
Every card network has different rules that determine which payments have extended authorizations available, and how long they’re valid. The following table shows the validity windows and transaction types that extended authorization 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.
| カードブランド | 加盟店カテゴリー | オーソリの有効期間を延長 |
|---|---|---|
Visa | ホテル、宿泊施設、車のレンタル、クルーズ会社 All other merchant categories* | 30 日間** |
| Mastercard (Maestro および Cirrus カードを除く) | すべての加盟店カテゴリー | 30 日間 |
| アメリカン・エキスプレス | 宿泊施設および車のレンタル | 30 days*** |
| ディスカバー | 航空会社、バスチャーター / ツアー、車のレンタル、クルーズ会社、地方 / 郊外の通勤・通学用交通機関、旅客輸送 (フェリー、ホテル、宿泊施設、鉄道を含む) | 30 日間 |
* For other merchant categories, Stripe charges an additional 0.08% fee per transaction, and the extended window doesn’t apply to transactions with merchants in US or JP.
** The exact extended authorization window for Visa is 29 days and 18 hours, to allow time for clearing processes.
*** Although your validity window is extended to 30 days, you must capture the authorized funds no later than the end of your customer’s stay or rental.
Networks with limited support (beta)
Recent changes to availability
Best Practices
Customers see their funds held longer when you use extended authorizations. Use clear statement descriptors to avoid increased disputes from unrecognized payments.
You can use the custom_text field when creating a new CheckoutSession to display additional text on the checkout page to help meet compliance requirements.
Compliance
You’re responsible for your compliance with all applicable laws, regulations, and network rules when using extended authorization. Consult the network specifications for the card networks that you plan to accept using this feature with to make sure your sales are compliant with the applicable rules, which vary by network. For instance, for many networks extended validity windows are only for cases where you don’t know the final amount that you’ll capture at the time of authorization.
The information provided on this page relating to your compliance with these requirements is for your general guidance, and is not legal, tax, accounting, or other professional advice. Consult with a professional if you’re unsure about your obligations.
CheckoutSession を作成する
Add a checkout button to your website that calls a server-side endpoint to create a Checkout Session.
<html> <head> <title>Buy cool new product</title> </head> <body> <!-- Use action="/create-checkout-session.php" if your server is PHP based. --> <form action="/create-checkout-session" method="POST"> <button type="submit">Checkout</button> </form> </body> </html>
A Checkout Session is the programmatic representation of what your customer sees when they’re redirected to the payment form. You can configure it with options such as:
- Line items to charge
- Currencies to use
You must populate success_ with the URL value of a page on your website that Checkout returns your customer to after they complete the payment. You can optionally also provide a cancel_ value of a page on your website that Checkout returns your customer to if they terminate the payment process before completion.
注
Checkout Sessions expire 24 hours after creation by default.
After creating a Checkout Session, redirect your customer to the URL returned in the response.
To enable the extended authorization feature, set request_extended_authorization to if_.
Rely on the capture_before field to confirm the validity window for a given payment. The validity window won’t change after the CheckoutSession is complete. To determine if the authorization is extended after the CheckoutSession is complete, look at the extended_authorization.status field on the associated charge.
{ "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" } } } ... } ... }
実装内容をテストする
Use the Stripe test cards below with any CVC and future expiration date to request extended authorizations while testing. If extended authorizations are available on payments for a given network while testing, they’re also available for live payments.
| Card brand | Number | Payment method |
|---|---|---|
| Visa | pm_ | |
| Mastercard | pm_ | |
| Amex | pm_ | |
| Discover | pm_ |