Review uncaptured payments

By default, you create payments in one step. You don’t need to do anything else to send funds to your bank account. Stripe also supports two-step payments, often called auth and capture. If your integration uses this method, approving a review and capturing a payment are separate actions.

Your capture window for approved payments varies by card brand, potential extended holds and payment method type.

Review uncaptured payments in the Dashboard

When we place an uncaptured payment in review, the Stripe Dashboard shows a Capture button alongside buttons to approve or cancel the review. Uncaptured payments show a Cancel button instead of a Refund button because cancelling an uncaptured payment releases the authorisation without creating a Refund object.

Use the API to automatically capture approved payments

Through the API, you can set up your integration to:

• Immediately capture payments not placed in review.
• Leave payments placed in review uncaptured.
• When the review is approved, capture the payment.

Immediately capture payments not placed in review

Set the capture_method in your API request to create an uncaptured payment. After a successful request, check the review attribute on the PaymentIntent. If it’s empty, capture the charge.

# Set your secret key. Remember to switch to your live secret key in production.
# See your keys here: https://dashboard.stripe.com/apikeys
Stripe.api_key = 
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'

# Get the credit card details submitted by the form
# Create a PaymentIntent with manual capture
payment_intent = Stripe::PaymentIntent.create({
  amount: 1000,
  currency: 'usd',
  payment_method: '{{PAYMENT_METHOD_ID}}',
  description: 'Example charge',
  confirm: true,
  capture_method: 'manual',
})

# Check if the payment is in review. If not, capture it.
if !payment_intent.review
  payment_intent.capture
end

Capture a payment after a review is approved

In the previous step, you left payments in review and uncaptured. Use webhooks to automatically capture these payments after approval.

Configure your webhooks to listen for the review.closed event. The event includes the Review object and its reason attribute indicates whether the review was approved or closed for another reason (for example, the payment was refunded).

// Review object included in review.closed event webhook.
{
  "id": "prv_08voh1589O8KAxCGPcIQpmkz",
  "object": "review",
  "payment_intent": "pi_1D0CsEITpIrAk4QYdrWDnbRS",
  "created": 1474379631,
  "livemode": false,
  "open": false,
  "reason": "approved"
}

If reason is approved, capture the charge.

# Set your secret key. Remember to switch to your live secret key in production.
# See your keys here: https://dashboard.stripe.com/apikeys
Stripe.api_key = 
'sk_test_BQokikJOvBiI2HlWgH4olfQ2'

post "/my/webhook/url" do
  event_json = JSON.parse(request.body.read)
  event = Stripe::Event.retrieve(event_json["id"])

  if event.type == 'review.closed'
    review = event.object
    if review.reason == 'approved'
      pi = Stripe::PaymentIntent.retrieve(review.payment_intent)
      pi.capture
    end
  end

  status 200
end