---
title: "Delayed Capture & Authorization Holds | Fynex"
description: "Authorize a card at checkout and capture the payment later — when the order ships, the job is done, or the final amount is known. Delayed capture and authorization holds for marketplaces, without the short card-auth expiry."
url: "/uk/marketplaces/delayed-capture"
---

# Authorize now, *capture later*

Place a hold on the card at checkout and capture the payment when you're ready — when the order ships, the service completes, or the final amount is confirmed. Full or partial capture, on your timing.

*Marketplace building blocks.*

## The card says yes today, but you shouldn't charge until you deliver

Deposits, pre-orders, and as-incurred billing all need the same thing: confirm the card now, take the money later. But a raw card authorization expires in about a week, so builders end up re-authorizing, saving cards and hoping the charge lands, or just charging early and refunding the difference.

## How delayed capture runs on Fynex

Separate the promise to pay from the moment you take the money.

1. **Authorize at checkout** — Place a hold when the buyer checks out, so you know the card is good and the funds are reserved — before you've shipped or delivered a thing.
2. **Capture when you're ready** — Capture the full amount, a partial amount, or capture more than once as the order fulfils — on your schedule, not the card network's expiry clock.
3. **Release what you don't take** — Capture only what's owed and release the rest of the hold, so the buyer is never charged for more than they got.

## The same job, with the leaks closed

Point tools solve part of it. Fynex runs the whole thing on one platform.

| The problem | Other platforms (Raw card authorizations) | Fynex |
|---|---|---|
| Confirm the card before you deliver | Auth expires in ~7 days; re-auth or lose it. | Hold, then capture on your timing. |
| Charge the final amount | Charge early and refund the difference. | Full or partial capture when the amount is known. |
| Bill as costs are incurred | Save the card and hope the later charge lands. | Capture multiple times against one authorization. |
| Handle deposits and pre-orders | Take the deposit as a real charge, then reconcile. | Authorize the deposit, capture on fulfilment. |

## Questions, answered

### What is delayed capture?

Delayed capture is a two-step card payment: you authorize the card at checkout (placing a hold that confirms the funds), then capture the money later — when the order ships, the service is delivered, or the final amount is known. It's the standard pattern for deposits, pre-orders and as-incurred billing.

### What's the difference between authorize and capture?

Authorizing places a hold on the buyer's card and confirms the funds are available, but moves no money. Capturing actually takes the payment. Fynex lets you separate the two, so you can authorize now and capture later — in full, in part, or across several captures against one authorization.

### How long can you hold an authorization before capturing?

A raw card authorization typically expires in around a week, which is why builders hit walls holding longer. Fynex handles the hold so you can capture on your own timing rather than racing the card network's expiry — and for delivery- or milestone-based flows you can hold the funds themselves as escrow instead.

### Can I capture only part of the authorized amount?

Yes. Capture the full amount, a partial amount, or capture more than once as an order fulfils, and release any part of the hold you don't use — so the buyer is never charged for more than they actually received.

## The rest of the marketplace money layer

Every building block below runs on the same platform. Start with one, or run the whole stack.

- **Split payments** — Divide one payment across sellers, your fee and partners — by rule, in real time.
- **Escrow & held funds** — Hold a buyer's payment until the work is delivered, then release it to the seller.
- **Platform commission** — Take your cut automatically at settlement — set your take rate once and keep it.
- **Seller onboarding & KYC** — Verify sellers with built-in KYC and KYB, inside your own signup — without the drop-off.
- **Payout scheduling** — Pay sellers on schedule or by rule — mass, instant or timed, in any currency and rail.
- **Marketplace wallets** — Give each seller a stored balance to hold, top up and withdraw — per currency, one ledger.
- **Balance management** — One ledger for every balance, split, hold and payout — reconciled to the transaction.

## Find what you're leaking, for free

Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.

> One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.

## The trust layer most software can't offer

We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence.

- **FCA-authorised EMI** — An e-money institution via Fondy. We can hold and move your funds.
- **PCI DSS Level 1** — The highest card-data security standard, on by default.
- **Audit logs** — Every movement traceable and ready for review.
- **Built-in KYC / KYB** — The switch that turns the business on.

## Confirm the card now. *Take the money when you deliver*

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The AI finance layer for platforms and operators. It runs the money chain and keeps more of it in your business. One platform instead of a dozen.



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