Payment Authorization

Payment authorization is a crucial step in the payment process, it's when the network or scheme confirms funds are available and approved to be used for the purchase.

For card payments, a successful authorization reserves the necessary funds in the cardholder's account. The subsequent capture triggers the movement.

Some local payment methods do not support separate capture requests, these are automatically moved to a CAPTURED state.

Asynchronous Authorization

For the majority of payment methods, authorizations occur in real-time and the outcome can be immediately shared with the consumer.

Some payment methods are unable to confirm the availability of funds or guarantee settlement until later in the payment process. These payment charges will transition to AUTHORIZATION_ASYNC until further notice is received from the scheme or network.

The possibility of asynchronous authorization is defined in payment method properties.