Enable extended authorizations

Hold card authorizations for up to 30 days with Stripe's extended authorization feature.

Stripe’s extended authorization feature allows you to hold customer funds for up to 30 days (depending on the card network) compared to standard authorization validity periods of 7 days for online payments. This guide instructs you how to enable extended authorizations in your Magento store using the Stripe module.

Availability

Extended authorizations are available to users on IC+ pricing If you’re on blended Stripe pricing, contact Stripe to access this feature.

Create a new module

Create a new module with the following directory structure. Replace Vendor with your preferred vendor name.

app/code/Vendor/StripeCustomizations/
├── etc/
│   ├── module.xml
│   └── config.xml
└── registration.php

Inside registration.php, register your module with Magento:

<?php
\Magento\Framework\Component\ComponentRegistrar::register(
    \Magento\Framework\Component\ComponentRegistrar::MODULE,
    'Vendor_StripeCustomizations',
    __DIR__
);

Inside etc/module.xml, define the module and set up dependencies:

<?xml version="1.0"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:framework:Module/etc/module.xsd">
    <module name="Vendor_StripeCustomizations" setup_version="1.0.0">
        <sequence>
            <module name="StripeIntegration_Payments"/>
        </sequence>
    </module>
</config>

Inside etc/config.xml, override the following settings from the Stripe module:

<?xml version="1.0"?>
<config xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:noNamespaceSchemaLocation="urn:magento:module:Magento_Store:etc/config.xsd">
    <default>
        <stripe_settings>
            <extended_authorizations_enabled>1</extended_authorizations_enabled>
        </stripe_settings>
    </default>
</config>

Enable the module

After you create the necessary files, enable your custom module:

php bin/magento module:enable Vendor_StripeCustomizations
php bin/magento setup:upgrade
php bin/magento cache:clean
php bin/magento cache:flush

Usage and Testing

After you enable extended authorizations and eligibility (IC+ pricing), the feature automatically applies to qualifying card payments.

To verify if an authorization has the extended window:

Place an order using test card 5555 5555 5555 4444.
Open the order page from the Magento admin.
Look for the Authorization expires entry under the Payment Information section of the order.

Additional Considerations

Authorize Only mode is required: Extended authorizations require Authorize Only mode. Make sure you set the Payment Action in the Stripe module configuration section to Authorize Only.
Compliance: You’re responsible for compliance with all card network rules when using extended authorizations. Some networks allow extended authorizations only in specific cases.
Customer experience: Inform customers that their funds might be held for an extended period before capturing the payment.
Merchant Category Codes: Extended authorizations availability depends on your Merchant Category Code (MCC) for some card networks.

For more details on card network validity windows and other terms, please refer to the extended authorizations documentation.