What is overcapture?

What is overcapture?

• A. Capture amount is higher than the authorization amount.
• B. The authorization amount has not been captured at all.
• C. A second authorization is required for funding.
• D. The funds are reversed automatically.

Answer: (A)

Overcapture means you’re attempting to capture more money than the cardholder authorized. When a payment is authorized, a specific amount is held on the card. If you then try to capture an amount that exceeds that hold, the capture would exceed the authorized limit and fail. For example, authorize $50 but attempt to capture $60 — you’re asking for funds beyond what was authorized. To secure more than the original authorization, you’d need a new authorization for the additional funds, not a larger capture on the same authorization. The other options describe different situations: not capturing at all is an authorization that hasn’t been settled, a second authorization is for additional funds via a new hold, and automatic reversal refers to a capture failing and funds being released, not the act of capturing more than was authorized.

Overcapture means you’re attempting to capture more money than the cardholder authorized. When a payment is authorized, a specific amount is held on the card. If you then try to capture an amount that exceeds that hold, the capture would exceed the authorized limit and fail. For example, authorize $50 but attempt to capture $60 — you’re asking for funds beyond what was authorized. To secure more than the original authorization, you’d need a new authorization for the additional funds, not a larger capture on the same authorization. The other options describe different situations: not capturing at all is an authorization that hasn’t been settled, a second authorization is for additional funds via a new hold, and automatic reversal refers to a capture failing and funds being released, not the act of capturing more than was authorized.