Charging is the process of pulling funds from a cardholder’s account, this occurs after tokenization and the optional authentication process. A card can be charged through API, or via our Invoice UI without having to do technical configuration. A charge consists of two sub-processes which take place in the background:
Authorization: Confirming with the issuing bank that the card is eligible for transaction and is able to pay, based on transaction history of the cardholder. At this point, the money is put on hold and settlement has not started yet.
Capture: The transaction is locked to be completed and the settlement process will be started.
Here is an example of a card charge flow. For most flows without pre-authorization, capture happens immediately after authorization by default.
Do we need to charge a transaction amount during the first time creation?
Is it possible to have a seamless pay-as-you-go model where we allow cardholders to complete transactions with the least amount of clicks / actions possible?
Can we cancel an authorization?
When does an authorization expire?
You can check reason(s) for a card decline within your Xendit Dashboard. In Dashboard > Credit / Debit Cards, just click a declined charge you'd like to see details on. You'll see recommendation on how to successfully re-process the transaction.