Capture

Capture is the step that collects an authorized payment. It tells the bank to move the reserved funds to you.

Updated October 1, 2026

Capture turns an approved authorization into a payment. Authorization reserves the funds. Capture tells the bank to move them, and the charge then settles into your balance.

Automatic vs manual capture

  • Automatic capture is the Stripe default. Stripe authorizes and captures in one step.
  • Manual capture lets you authorize first and capture later, when you know the final amount or are ready to ship.

Things to know

  • You can capture the full authorized amount or less, for example when part of an order is out of stock.
  • Card authorizations usually expire after about seven days. If you wait too long, the authorization hold is released and you can't capture it.
  • Capture starts settlement, after which the money reaches your Stripe balance.

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