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Simple Order API | American Express Direct

Workflow

Unlike authorizations, a capture does not happen in real time. All of the capture requests for a day are placed in a batch file and sent to the processor. In most cases, the batch is settled at night. It usually takes two to four days for your acquiring bank to deposit funds into your merchant bank account.
The following figure shows the steps that occur when you request a capture.

Figure:

Processing a Capture
Diagram of processing a capture or credit
  1. You send a request for capture over a secure Internet connection.
  2. Cybersource
     validates the order information then stores the capture request in a batch file.
  3. After midnight,
    Cybersource
     sends the batch file to your payment processor.
  4. The processor settles the capture request by transferring funds from the customer's bank account to your bank account.
    The processor does not notify
    Cybersource
     when a transaction is declined. To ensure that all captures are processed, reconcile your system’s reports with the reports from your processor.
Due to the potential delay between authorization and capture, the authorization might expire with the issuing bank before you request capture. Most authorizations expire within five to seven days. If an authorization expires with the issuing bank before you request the capture, your bank or processor might require you to resubmit an authorization request and include a request for capture in the same message.
Cybersource
 is not informed by the issuing bank when an authorization expires. By default, the authorization remains in the
Cybersource
 database for 60 days after the authorization date, even after it expires with the issuing bank.