When a payment is completed in the payment window, the transaction is “Authorized”. This means that a reservation on the agreed upon amount is made on the customers card. The money is now available for capture. The possibility to capture the money after the reservation runs out varies from acquirer to acquirer.
Clearhaus states the following on their helpdesk:
Am I guaranteed to be able to get the money when sending a capture within 179 days?
The capture will be processed as usual and you will get your money - even if the payment card expires, is lost or is stolen. In rare cases when the customer changes his bank between authorization and capture, you cannot get your money. The customer’s bank, however, will have to act in good faith and try to collect the transaction before making a chargeback.
Read more on helpdesk.clearhaus.com/faq/
With Nets a transaction is historically captureable as long as there is a valid card behind the transaction. Meaning, as long as the card expiration date has not been surpassed, the card has been reported stolen or things of that sort. However there is no guarantee it will work.
The money is only “guaranteed” in the reservation period.
When authorizing a debit-card the auth-amount is reserved on cardholders account.
If the customer cancels the order, or maybe only part of the amount is to be captured, the remaining amount is still reserved.
Quickpay can’t cancel a reservation on a credit card and cancel does not remove the reservation.
The acquirers have informed us that the customer must contact their bank and ask them to contact the acquirer and ask them to cancel the reservation. Then, maybe, the acquirer can cancel the reservation.
If you wish to help the customer cancel the reservation, you’ll need the name of the bank, account number, name and contact information of the customers contact in the bank and order number and amount
A reservation will automatically expire after 30 days.
When the customer pays in your shop, Clearhaus reserve the amount on the customer’s account for you.
an authorization on a Visa card is usually valid for 30 days (Electron 7 days)
an authorization on a MasterCard (incl. Maestro) is usually valid for 7 days
You can void an authorization within 30 days of the purchase.