Capture more than the authorised amount on a payment

Overcapture allows you to capture with an amount that’s higher than the authorised amount for a card payment. Unlike incremental authorisations, overcapture doesn’t result in additional authorisations with the card networks. When you overcapture a PaymentIntent, your customer won’t see any immediate updates on their credit card statement. After the captured amount settles, the initial pending authorisation gets updated with the final captured amount.

Availability

When using overcapture, be aware of the following restrictions:

• Only available with Visa, Mastercard, American Express, or Discover.
• Only eligible for online card payments. For in-person card payments see how to collect tips.
• Card brands limit the amount that you can overcapture (generally calculated as a percentage of the authorised amount), and impose additional constraints, including country, card type, and merchant category restrictions (see below).

Availability by card network, merchant country, and merchant category

Overcapture with Strong Customer Authentication (SCA)

If you and the cardholder are in a country that has Strong Customer Authentication (SCA) requirements, keep in mind the limitations of overcapture availability.

• Under SCA requirements, you generally need to authenticate an amount that’s greater than or equal to the amount that you eventually capture. For this reason, you need to authenticate and authorise for the highest estimated amount that you plan to capture, rather than using overcapture as outlined elsewhere on this page. Subsequently, you can capture up to the full amount authenticated, depending on the total amount for the goods or services provided. If you find it necessary to capture an amount beyond the originally authorised and authenticated amount, you must cancel the original payment and create a new one with the correct amount. However, there are some exceptions to this requirement (see below).
• There are a number of transaction exemptions for SCA where overcapture might be permissible. For example, merchant-initiated transactions (MIT) where the customer isn’t physically present during the checkout flow are potentially exempt. See when to categorise a transaction as MIT.

You need to familiarise yourself with the complete documentation to gain a comprehensive understanding of overcapture and SCA requirements. See our SCA guide for more information.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1000 \
  -d currency=usd \
  -d "payment_method_types[]"=card \
  -d payment_method=pm_card_visa \
  -d confirm=true \
  -d capture_method=manual \
  -d "expand[]"=latest_charge \
  -d "payment_method_options[card][request_overcapture]"=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
          "overcapture": {
              "status": "available", // or "unavailable"
              "maximum_amount_capturable": 1200
          }
        }
      }
      ...
    }
  ...
}

curl https://api.stripe.com/v1/payment_intents/pi_xxx/capture \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount_to_capture=1200 \
  -d "expand[]"=latest_charge

// PaymentIntent response
{
  "id": "pi_xxx",
  "object": "payment_intent",
  "amount": 1200,
  "amount_capturable": 0,
  "amount_received": 1200,
  "status": "succeeded",
  ...
  // if latest_charge is expanded
  "latest_charge": {
      "id": "ch_xxx",
      "object": "charge",
      "payment_method_details": {
        "card": {
          "amount_authorized": 1000,
          "overcapture": {
              "maximum_amount_capturable": 1200,
              "status": "available" // or "unavailable"
          }
        }
      }
      ...
    }
  ...
}