Incremental authorization is part of the functionality we offer to users on IC+ pricing. If you’re on standard Stripe pricing and want access to this feature, contact us at email@example.com.
Incremental authorization allows you to increase the authorized amount on a confirmed PaymentIntent before you capture it. Before capture, each incremental authorization appears on the credit card statement as an additional pending entry (for example, a 10 USD authorization incremented to 15 USD appears as separate 10 USD and 5 USD pending entries). After capture, the pending authorizations are removed, and the total captured amount appears as one final entry.
When using incremental authorizations, be aware of the following restrictions:
- Not currently available if you and the cardholder are in a country with Strong Customer Authentication requirements or similar authentication requirements.
- Only available with Visa, Mastercard, or Discover.
- Only eligible for online card payments.
- Certain card brands have merchant category restrictions (see below).
Availability by card network and merchant category
Attempting to perform an incremental authorization on a payment that doesn’t fulfill the below criteria results in an error.
|Card brand||Merchant country||Merchant category|
|Visa||Global*||All user categories|
|Mastercard||Global*||All user categories|
|Discover||Global||Car rental, hotels, local/suburban commuter, passenger transportation, including ferries, passenger railways, taxicabs/limousines, bus lines-charter, tour, steamship/cruise lines, boat rentals & lease, grocery stores and supermarkets, electric vehicle charging, eating places and restaurants, drinking places (alcoholic beverages), hotels, motels, resorts, trailer parks & campgrounds, equip/tool/furn/appl rental & leasing, automobile rental agency, truck and utility trailer rentals, motor home and rec vehicle rentals, parking lots, parking meters, and garages, amusement parks, circuses, fortune tell, recreation services (not classified)|
* Excludes MX users and JPY transactions for JP users
Networks with limited support (beta)
When using incremental authorization, proactively notify your end customer with the details of any authorizations for estimated amounts, which might be followed by incremental authorizations that increase those amounts. Here are some best practices for doing so:
- Disclose that an authorization is for an estimated amount and that subsequent authorization requests might follow at the time of checkout, before purchase.
- Base estimated amounts on a genuine estimate of what the total transaction amount will be.
These best practices might be required under applicable network rules, depending on the network.
You’re responsible for your compliance with all applicable laws, regulations, and network rules when using incremental authorization. Consult the network rules for the card networks that you plan to use this feature with to make sure your sales comply with applicable rules, which vary by network. For example, most card networks restrict how you can calculate estimated amounts included in the initial authorization, and prohibit the use of incremental authorizations for transactions where the transaction amount should be known at the time of authorization (for example, charges for recurring subscriptions).
The information provided on this page relating to your compliance with these requirements is for your general guidance, and isn’t legal, tax, accounting, or other professional advice. Consult with a professional if you’re unsure about your obligations.