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Charging Cards

Charging is the process of pulling funds from the cardholder’s account, and this occurs after tokenization and the optional authentication process. A card can be charged through API or via our invoice UI without configuration. A charge consists of two processes which take place in the background:

Authorization: Confirming with the card issuing bank that the account is eligible for a transaction and able to pay, based on transaction history of the cardholder. At this point, the money is put on hold and has not been deducted yet.

Capture: The transaction is locked to be completed and the settlement process will be started.

Here is an example of a credit card charge flow. For most flows without pre-authorization, Capture happens immediately after authorization by default" alt text



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

    Not necessary for tokenization. Amount only needed for authentication (3DS), auth/capture which you can do anytime after.

  2. Do we require the user to take any action (one-click) for subsequent charges? or can we have a seamless pay-as-you-go model with different amounts & transaction time (similar to Uber)?

    Yes, simply skip 3DS & CVN to enable a 1-click or 1-tap flow.


  1. Can we cancel an authorization?

    Yes, the refund API will automatically VOID if the capture has not yet been processed.

  2. When does an authorization expire?

    Our Charge API will allow captures up to 7 days after an authorization. If you need an extention to accomodate longer period, let us know your use case and we can help configure your account for longer periods.

Troubleshooting declines

You can check reason(s) for a card decline within your Xendit Dashboard. In Dashboard > Credit Cards, just click a declined charge you'd like to see details on. You'll see recommendation for how to successfully reprocess this payment.