--- title: "Incremental Authorizations for Card Payments" source_url: https://docs.rapyd.net/en/incremental-authorizations-for-card-payments.html lang: en --- # Incremental Authorizations for Card Payments A merchant can use an incremental authorization for a customer-initiated card payment. Use [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment") for the transaction. Under the `payment_method_options` object in the request body, set the `is_adjustable` field to `true`. This will initiate a preauthorization for the card payment. The merchant needs to be configured to be able to create adjustable payments. If the final amount is higher, then an [Update Payment](https://docs.rapyd.net/en/update-payment.md "Update Payment") request will need to be made. This is only possible if `is_adjustable` is set to `true` and `capture` is set to `false`. Then capture the final amount. ### Card Payments Workflow Create a card payment and then use an incremental authorization by updating the payment with an increased amount. ### Step 1: Creating a Card Payment ![incremental-authorization-flow-1.png](image/img-19eb61e53051873b22fae90f07f4bca8.png) 1. The customer completes the card payment in checkout on your website. 2. The third-party token provider requests a network token. 3. You request Rapyd to process the card payment using a network token. 4. Rapyd processes the payment and sends the response and webhook back to you. 5. You display your purchase success page to the customer. ### Step 2: Increasing the Payment Amount ![incremental-authorization-flow-2.png](image/img-0e92c82814a5d7c50eef75901ef7524e.png) 1. You use Update Payment for the original payment. 2. You request Rapyd update the card payment with an increased amount. 3. Rapyd processes the payment and sends the response and webhook back to you. > **Note:** > > Only clients with [PCI-DSS](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_dss "Payment Card Industry Data Security Standard") certification can handle personal identifying information for cards. This method is available to merchants who have signed a special agreement with Rapyd. ### How Incremental Authorizations Work ### Create a Card Payment Use [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment") to create a card payment. ### Create Payment Request - - Request - ``` // Request URL: POST https://sandboxapi.rapyd.net/v1/payments // Message body: { "amount": 100, "currency": "GBP", "description": "testing preauth for another merchant", "enhanced_data": {}, "payment_method": { "type": "gb_visa_card", "fields": { "name": "Card Test", "number": "4176660000000100", "expiration_month": "01", "expiration_year": "29", "cvv": "123" } }, "payment_method_options": { "is_adjustable": true }, "capture": false, "save_payment_method": true, "complete_payment_url": "https://www.yahoo.com", "error_payment_url": "https://www.lego.com" } ``` ### Create Payment Response - - Response - ``` { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "fbb3f728-05cd-4ec1-9e5e-7ce6b2cdd2b4" }, "data": { "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22", "amount": 0, "original_amount": 100, "is_partial": false, "currency_code": "GBP", "country_code": "GB", "status": "ACT", "description": "testing preauth for another merchant", "merchant_reference_id": "", "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b", "payment_method": "card_2926398a8aa1df155399e837db4cc124", "payment_method_data": { "id": "card_2926398a8aa1df155399e837db4cc124", "type": "gb_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "Card Test", "last4": "0100", "acs_check": "pass", "cvv_check": "pass", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "CLASSIC", "issuer": "VISA EUROPE LIMITED", "country": "GB", "bin_number": "417666" }, "expiration_year": "29", "expiration_month": "01", "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d", "network_reference_id": "000000258200813", "payment_account_reference": "V0010019169397631953494893013" }, "auth_code": "645605", "expiration": 1771632000, "captured": false, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://www.yahoo.com", "error_payment_url": "https://www.lego.com", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "from db", "transaction_id": "", "created_at": 1769060571, "metadata": {}, "failure_code": "", "failure_message": "", "paid": false, "paid_at": 0, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [], "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "ewalleters": null, "ewallets": [ { "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "amount": 100, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": true, "is_adjustable": true }, "payment_method_type": "gb_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_26302_00000001_valitor", "next_action": "pending_capture", "error_code": "", "remitter_information": {}, "save_payment_method": true, "merchant_advice_code": null, "merchant_advice_message": null, "authentication_result": { "eci": "05", "result": "A", "version": "2.2.0", "cardholder_info": null }, "transaction_link_id": null } } ``` ### Update the Card Payment Use [Update Payment](https://docs.rapyd.net/en/update-payment.md "Update Payment") to increase the payment amount. > **Note:** > > To update a card payment and initiate an incremental authorization, the original payment being updated must have the `is_adjustable` field set to `true`. ### Update Payment Request - - Request - ``` // Request URL: POST https://sandboxapi.rapyd.net/v1/payments/payment_fb3f486eaf16c1d3e0c7c1b1bba85b22 // Message body: { "amount": 500, "description": "Increasing amount" } ``` ### Update Payment Response - - Response - ``` { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "a336f29f-4b4d-4e9b-8a82-ca6cff275688" }, "data": { "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22", "amount": 0, "original_amount": 500, "is_partial": false, "currency_code": "GBP", "country_code": "GB", "status": "ACT", "description": "Increasing amount", "merchant_reference_id": "", "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b", "payment_method": "card_2926398a8aa1df155399e837db4cc124", "payment_method_data": { "id": "card_2926398a8aa1df155399e837db4cc124", "type": "gb_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "Card Test", "last4": "0100", "acs_check": "pass", "cvv_check": "pass", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "CLASSIC", "issuer": "VISA EUROPE LIMITED", "country": "GB", "bin_number": "417666" }, "expiration_year": "29", "expiration_month": "01", "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d", "network_reference_id": "000000258200813", "payment_account_reference": "V0010019169397631953494893013" }, "auth_code": "404383", "expiration": 1771632000, "captured": false, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://www.yahoo.com", "error_payment_url": "https://www.lego.com", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "from db", "transaction_id": "", "created_at": 1769060571, "metadata": {}, "failure_code": "", "failure_message": "", "paid": false, "paid_at": 0, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [], "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "ewallets": [ { "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "amount": 100, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": true, "is_adjustable": true }, "payment_method_type": "gb_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_26302_00000001_valitor", "next_action": "pending_capture", "error_code": "", "remitter_information": {}, "save_payment_method": true, "merchant_advice_code": null, "merchant_advice_message": null, "authentication_result": { "eci": "05", "result": "A", "version": "2.2.0", "cardholder_info": null }, "transaction_link_id": null } } ``` ### Capture the Card Payment Use [Capture Payment](https://docs.rapyd.net/en/capture-payment.md "Capture Payment") to capture the final payment amount. ### Capture Payment Request - - Request - ``` // Request URL: POST https://sandboxapi.rapyd.net/v1/payments/:payment/capture // Message body: { "amount": 500 } ``` ### Capture Payment Response - - Response - ``` { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "c26baa5e-1764-4f47-9d98-9d60f4da485d" }, "data": { "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22", "amount": 500, "original_amount": 500, "is_partial": false, "currency_code": "GBP", "country_code": "GB", "status": "CLO", "description": "Increasing amount", "merchant_reference_id": "", "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b", "payment_method": "card_2926398a8aa1df155399e837db4cc124", "payment_method_data": { "id": "card_2926398a8aa1df155399e837db4cc124", "type": "gb_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "Card Test", "last4": "0100", "acs_check": "pass", "cvv_check": "pass", "bin_details": { "type": "CREDIT", "brand": "VISA", "level": "CLASSIC", "issuer": "VISA EUROPE LIMITED", "country": "GB", "bin_number": "417666" }, "expiration_year": "29", "expiration_month": "01", "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d", "network_reference_id": "000000258200813", "payment_account_reference": "V0010019169397631953494893013" }, "auth_code": "404383", "expiration": 1771632000, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://www.yahoo.com", "error_payment_url": "https://www.lego.com", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "from db", "transaction_id": "", "created_at": 1769060571, "metadata": {}, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1769060627, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [], "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "ewallets": [ { "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063", "amount": 100, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": true, "is_adjustable": true }, "payment_method_type": "gb_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "mid_26302_00000001_valitor", "next_action": "not_applicable", "error_code": "", "remitter_information": {}, "save_payment_method": true, "merchant_advice_code": null, "merchant_advice_message": null, "authentication_result": { "eci": "05", "result": "A", "version": "2.2.0", "cardholder_info": null }, "transaction_link_id": null } } ```