Extended authorizations

Extended authorisations allow you to capture a confirmed PaymentIntent up to 30 days later, depending on the card brand and whether your business is in an eligible category. This is helpful if you need more than the typical 48 hours (or 5 days for Visa) between authorisation and payment capture. For example, a hotel authorises a payment in full when a guest checks in, but captures the payment when the guest checks out.

Availability

Extended authorisation is available on Visa, Mastercard, American Express and Discover. Extended authorisations are not supported on single-message payment methods like Interac and eftpos.

Request extended authorization support

When you create a PaymentIntent, you can request to extend the capture window of the payment. Set the request_extended_authorization field to true and the capture_method to manual.

curl https://api.stripe.com/v1/payment_intents \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:" \
  -d amount=1000 \
  -d currency=usd \
  -d "payment_method_types[]"=card_present \
  -d capture_method=manual \
  -d "payment_method_options[card_present][request_extended_authorization]"=true

In the response, the capture_before field indicates the time when the authorisation expires. Failure to capture the payment by this time cancels the authorisation and releases the funds. When this happens, the PaymentIntent status transitions to canceled.

Authorization validity

Every card network and card brand has a different rule for how long an authorisation is valid. With Terminal, an authorisation for in-person payments is valid for at least two days. Because authorisation rules can change without prior notice, use the capture_before field to determine the validity window for an authorisation.