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Charging Cards

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.

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  1. Do we need to charge a transaction amount during the first time creation?

    • Not necessary for tokenization. Amount is only needed for authentication (3DS), then authorization / capture which you can do anytime after.
  2. 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?

    • Yes, you can request to skip 3DS and / or skip CVN / CVV to your Xendit Account Manager.


  1. Can we cancel an authorization?

  2. When does an authorization expire?

    • Our Charge API will allow captures up to 7 days after an authorization. If you need an extension to accommodate a longer period, let your Xendit Account Manager know your use case and we can help configure for your account.

Troubleshooting Declines

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.

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