Pre-authorization

Pre-authorization is a payment feature that verifies a customer’s card and checks fund availability at the time of the request.

Building on this, the Pre-authorization feature acts as a temporary reservation of the potential transaction amount. This allows the merchant to hold funds and make necessary adjustments to the amount before the sale is finalized. A pre-authorized transaction will display the status Pre-Authorized until the merchant performs a capture, which confirms the sale and finalizes the charge.

Transaction statuses during the payment lifecycle include:

Authorized / Approved: The card ans funds check succeeded.
Denied: The transaction was rejected (for example: insufficient funds).
Reversed / Canceled: The transaction was voided before settlement.
Refunded: Money was returned to the customer after settlement.

Below are the ranges of adjustment and capture possibilities for every card to each available country.

Brazil

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex	4	(not available)	(not available)	(not available)	✅	❌	Credit	7
Elo	8	50	(not available)	(not available)	❌	❌	(not available)	1
Mastercard	4	(not available)	(not available)	(not available)	❌	❌	Credit	7
Visa	4	(not available)	(not available)	(not available)	✅	❌	Credit	7

Chile

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex	2	30	15	40	❌	❌	Credit	7
Mastercard	2	30	15	40	❌	❌	Credit	7
Visa	2	30	15	40	❌	❌	Credit	7

Mexico

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex - MXN	(not available)	(not available)	(not available)	(not available)	❌	✅	Credit/Debit	30
Mastercard - MXN	3	50	20	10	❌	✅	Credit/Debit	30
Mastercard - PROSA	3	50	20	10	❌	✅	Credit/Debit	30
Visa - PROSA	3	50	20	10	❌	✅	Credit/Debit	30

Spain

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Mastercard	(not available)	15	15	0	✅	✅	Credit/Debit	7*
Visa	(not available)	15	15	0	✅	✅	Credit/Debit	7*

*Capture days amount: up to 30 days depending on the issuing entity.

Uruguay

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Mastercard	3	(not available)	20	10	✅	❌	Credit	7
Visa	3	(not available)	20	10	✅	❌	Credit	7