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Capture delay shorter than the authorization validity period

Simplified diagram

On the day of the order:

  1. The merchant site submits a payment request.
  2. The payment gateway initiates the cardholder’s authentication process with the issuer.

    The regulation imposes cardholder authentication for all CIT transactions.

  3. After the authentication (challenge or frictionless), the gateway proceeds with the authorization request by providing the cardholder’s authentication details.
  4. The issuer generates a unique transaction identifier and transmits it in the response.
  5. The payment gateway notifies the merchant website about the payment result.

Before submission:

  1. If the transaction is submitted before the initial capture delay expires, the merchant modifies the capture date to D.
  2. If no action is taken for the transaction, the transaction is captured by the bank on the initially requested date.
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