Collect on-receipt tips
Some business types allow customers to add a tip to a transaction after authorizing the card. This is most common for businesses in the dining and hospitality space (for example, a restaurant or bar), where a customer can add a tip onto the receipt.
In the US, after you confirm a PaymentIntent, you can collect a tip by capturing more than the authorized amount. This is known as over-capture. After you capture the PaymentIntent, your customer sees the full captured amount reflected on their statement.
To collect a tip, you must create and confirm a PaymentIntent following the steps outlined in collecting in-person payments. You can verify that a given PaymentIntent is eligible for over-capture by accessing overcapture_supported.
Next, capture more than the authorized amount by providing an amount_to_capture that’s equal to the sum of the confirmed PaymentIntent and tip amount.
Over-capturing updates the PaymentIntent amount to reflect the new total, inclusive of the tip. This doesn’t result in an additional authorization, so your customer won’t see any immediate updates on their credit card statement. To see the original amount authorized, use the amount_authorized field in the PaymentIntent’s underlying Charge object.
On-receipt tipping is available for United States merchants with eligible merchant category codes (MCCs), for payments using Visa, Mastercard, Discover, and American Express card brands.
Merchants in the following categories are eligible to collect tips using over-capture:
- Taxicabs and limousines
- Eating places and restaurants
- Drinking places (alcoholic beverages)
- Fast food restaurants
- Beauty and barber shops
- Health and beauty spas
If you’re not sure about the eligibility of your merchant category, you can contact support. If you’re a Connect user, set the merchant category codes for your connected accounts to match their businesses.