Visa |
Scheme | Debit/credit | Environment | MCC | Days | |
Visa electron | All | All | All | All | 5 days |
Visa | All | POS | All | All | 5 days |
Visa | All | Merchant initiated transactions (MIT)
| All | All | 5 days |
Visa | All | CNP Cardholder-initiated transactions (CIT)
| All | All | 10 days |
Visa | All | CNP Cardholder-initiated transactions (CIT)
| Extended-Auth 1 | All | 30 days |
Visa | All | All | Pre-Auth | Cruise, Lodging, Vehicle Rental | 30 days |
Visa | All | All | Pre-Auth | 7999, 4457, 7296, 7841, 7394, 7519, 7033 | 10 days |
Visa | All | All | Pre-Auth | 5542 | 2 hours |
Capturing Visa payments after the authorization validity period may result in capture failures and processing integrity fees. Capturing Visa cardholder-initiated card-not-present transactions (CIT CnP) after the 10-day validity period may also incur an additional Extended Authorisation scheme fee, depending on regional requirements.
Mastercard |
Scheme | Debit/credit | Environment | MCC | Days | |
Mastercard | All | All | Final auth | All | 7 days |
Mastercard | All | All | Pre-auth | All | 30 days |
Capturing Mastercard payments can be successful even when the authorization has expired after seven or 30 days. For domestic transactions in the US and Canada, there is a late capture fee.
Discover |
Scheme | Debit/credit | Environment | MCC | Days | |
Discover | All | All | All | All | 10 days |
Discover | All | All | All | Car Rental, Hotel/Lodging | 30 days |
Diners |
Scheme | Debit/credit | Environment | MCC | Days | |
Diners | All | MOTO | All | All | 7 days |
Diners | Debit | All | All | All | 7 days |
Diners | Credit | All | All | All | 30 days |
Diners | All | All | All | Car Rental, Hotel/Lodging | 30 days |
JCB |
Scheme | Debit/credit | Environment | MCC | Days | |
JCB | All | All | All | All | 1 year |
JCB | All | All | Pre-auth | Hotel and Car rental | Time of stay/rental |
Cartes Bancaires |
Scheme | Debit/credit | Environment | MCC | Days | |
Carte Bancaires | All | All | All | All | 13 days |
Mexico Domestic |
Scheme | Debit/credit | Environment | MCC | Days | |
Network MX | Debit | All | Final auth | All | 7 days |
Network MX | Credit | All | Final auth | All | 30 days |
Network MX | Debit | All | Pre-auth | All | 30 days |
Network MX | Credit | All | Pre-auth | All | 120 days |