Payment Capture Settings

Configure auto and manual payment capture settings from Razorpay Dashboard and using APIs.

Available in🇮🇳 India🇸🇬 Singapore🇺🇸 United States

When a customer makes an online payment, it usually flows through different states. Know more about payment states.

By default, once your customer completes a payment, it is automatically moved to the captured state.

However, the payment can remain in the authorized state in the following scenarios:

• Late authorization
  Due to external factors such as network issues or technical errors, Razorpay may not immediately receive payment status from the bank. In this case, Razorpay polls the APIs intermittently for 3 days to check the status. If we receive the payment status as successful, the payment is moved to the authorized state. Know more about late authorization.
• Specific business use case
  Some businesses such as those in the Ecommerce industry, may retain the payment in the authorized state and later move them to the captured state.

Watch Out!

• For Direct Settlement merchants, payments will be auto-captured irrespective of the configuration.
• You must ensure that all payments in the authorized state are moved to the captured state within 3 days of creation. This is mandatory because payments that are not captured within this period will be refunded automatically to customers.

You can configure Payment Capture settings on the Dashboard. You can choose to:

• Auto-capture all payments
• Auto-capture with set timeouts
• Manually capture timeout

Handy Tips

• Only the Razorpay account owner can configure payment capture settings on the Dashboard.
• Payment Capture settings are applicable only for payments created using the Orders API.

Option	Description
Auto-capture all payments	All payments authorized within 3 days from the time of creation are auto-captured.
Auto-capture timeouts	Allows you to define custom auto-capture timeout. The minimum value is 12 minutes. The maximum value (default) is 3 days.
Manual capture timeout	Allows you to define custom manual capture timeout. The minimum value is 12 minutes. The maximum value (default) is 3 days.
Auto-refund speed	Payments in the authorized state are auto-refunded after the timeout. The available option is Normal Refund where the payment is refunded to your customer in 5-7 working days. The refund speed selected here is only applicable to payments that are auto-refunded.

Auto-capture All Payments

You can use this setting to capture all authorized payments automatically. This eliminates the time and effort spent manually capturing payments. This is the default setting for all customers.

Watch this video to know how to set up the Automatic Capture option.

To auto-capture all `authorized` payments:

1. Log in to the Dashboard.
2. Navigate to the Account & Settings option and scroll to the Payments Capture option.
3. Click the Change button next to Automatic Capture.
4. Under Automatic Capture, click the drop-down and select the time period in the Capture all payments authorised within field. For example, 3 days.
5. Click Next.
6. Select Refund Automatically and click Next.
7. Select Normal Refund as the Refund Speed.
8. Click Save.

Auto-capture With Custom Timeouts

Once the payment is created, you can:

• Auto-capture payments that are authorized within a certain time period, and
• Manually capture payments that are authorized after that time period.

You can do this by setting up custom timeouts for automatic and manual capture.

Auto-capture Timeout

Let us say you only want to auto-capture payments that are authorized within 3 days from creation.

--- Capture Settings	Select Automatic Capture Automatic capture timeout = 3 days.
Payments auto-refunded	If payments are authorized after 3 days.

Watch this video to see how to set up the Automatic Capture with Timeout option.

Auto-capture + Manual Capture Timeouts

Let us say you want to:

• Auto-capture payments that are authorized within 2 days from creation.
• Manually capture payments that are authorized within 3 days from creation.

--- Capture Settings	Select Automatic Capture Automatic capture timeout = 2 days. Manual capture timeout = 3 days.
Payments auto-refunded if	Payments not captured by you within 3 days. Payments are authorized after 3 days.

Watch this video to see how to set up the Automatic and Manual Capture with Timeout option.

To configure capture settings:

1. Log in to your Dashboard.
2. Navigate to the Account & Settings option and scroll to the Payments Capture option.
3. Click the Change button next to Automatic Capture.
4. Under Automatic Capture, click the drop-down and select the time period in the Capture all payments authorised within field. For example, 2 days.
5. Click Next.
6. Select Capture manually via dashboard or API.
7. Click the drop-down and select the time period in the Capture payments manually authorised within field. For example, 3 days.
8. Click Next.
9. Select Normal Refund as the Refund Speed.
10. Click Save.

Manually Capture Payments

You can use this setting to capture authorized payments manually.

Watch Out!

Manual capture of payments is not supported on bank transfer. All bank transfer payments are auto-captured.

Manual Capture Timeout

Let us say you only want to manually capture payments that are authorized within 3 days from creation. To do this, you should set the manual capture timeout as 3 days.

--- Capture Settings	Select Manual Capture Manual capture timeout = 3 days.
Payments auto-refunded if	Payments not captured by you within 3 days. Payments are authorized after 3 days.

Watch this video to set up the Manual Capture option.

To set up the manual capture:

1. Log in to the Dashboard.
2. Navigate to the Account & Settings option and scroll to the Payments Capture option.
3. Click the Change button next to Automatic Capture.
4. Select the Manual Capture option.
5. Set the manual capture timeout to 3 days and click Next.
6. Select Normal Refund as the Refund Speed.
7. Click Save.

You can manually capture payments in the authorized state using our Capture API or from the Dashboard. All payments that are not captured within the manual timeout period will be auto-refunded.

Configure Payment Capture Settings Using Orders API

Capture values passed in the Orders API take precedence over the Payment Capture settings configured on the Dashboard. You can use this to change the capture settings for individual payments.

Related Information

• How Payment Gateway Works
• Payment States
• Refunds
• Manually capture payments in the authorized state using the Capture API or from the Dashboard
• Set up and Subscribe to Webhook events