> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# About Payment Capture Settings

> When a customer makes an online payment, it usually flows through different states. Know more about [payment states](/payments/payments#payment-life-cycle).

By default, once your customer completes a payment, it is automatically moved to the `captured` state.

However, the payment can remain in the `authorized` state in the following scenarios:

* **Late authorization**

  Due to external factors such as network issues or technical errors, Razorpay may not immediately receive payment status from the bank. In this case, Razorpay polls the APIs intermittently for 3 days to check the status. If we receive the payment status as successful, the payment is moved to the `authorized` state. Know more about [late authorization](/payments/payments/late-authorisation).
* **Specific business use case**

  Some businesses such as those in the Ecommerce industry, may retain the payment in the `authorized` state and later move them to the `captured` state.

<Warning>
  **Watch Out!**

  * For **Direct Settlement** merchants, payments will be auto-captured irrespective of the configuration.
  * You must ensure that all payments in the authorized state are moved to the captured state within 3 days of creation. This is mandatory because payments that are not captured within this period will be refunded automatically to customers.

  You can configure **Payment Capture settings** on the Dashboard. You can choose to:

  * [Auto-capture all payments](#auto-capture-all-payments)
  * [Auto-capture with set timeouts](#auto-capture-with-custom-timeouts)
  * [Manually capture timeout](#manual-capture-timeout)
</Warning>

## Payment Capture Settings

<Info>
  **Handy Tips**

  * Only the Razorpay account owner can configure payment capture settings on the Dashboard.
  * Payment Capture settings are applicable only for payments created using the Orders API.

  ## Option | Description

  ## Auto-capture all payments | All payments `authorized` within 3 days from the time of creation are auto-captured.

  Auto-capture timeouts | - Allows you to define custom auto-capture timeout.

  * The minimum value is 12 minutes.
  * The maximum value (default) is 3 days.

  ***

  Manual capture timeout | - Allows you to define custom manual capture timeout.

  * The minimum value is 12 minutes.
  * The maximum value (default) is 3 days.

  ***

  Auto-refund speed | Payments in the `authorized` state are auto-refunded after the timeout. The available option is **Normal Refund** where the payment is refunded to your customer in 5-7 working days. The refund speed selected here is only applicable to payments that are auto-refunded.

  account owner can configure payment capture settings on the Dashboard.

  * Payment Capture settings are applicable only for payments created using the Orders API.

  ## Option | Description

  ## Auto-capture all payments | All payments `authorized` within 3 days from the time of creation are auto-captured.

  Auto-capture timeouts | - Allows you to define custom auto-capture timeout.

  * The minimum value is 12 minutes.
  * The maximum value (default) is 3 days.

  ***

  Auto-refund speed | Payments in the `authorized` state are auto-refunded after the timeout. The available option is **Normal Refund** where the payment is refunded to your customer in 5-7 working days. The refund speed selected here is only applicable to payments that are auto-refunded.
</Info>

## Auto-capture all Payments

You can use this setting to capture all `authorized` payments automatically. This eliminates the time and effort spent manually capturing payments. **This is the default setting for all customers.**

Watch this video to know how to set up the **Automatic Capture** option.

### To auto-capture all `authorized` payments:

1. Log in to the Dashboard.
2. Navigate to the **Account & Settings** option and scroll to the **Payments Capture** option.
3. Click the **Change** button next to **Automatic Capture**.
4. Under **Automatic Capture**, click the drop-down and select the time period in the **Capture all payments authorised within** field. For example, 3 days.
5. Click **Next**.
6. Select **Refund Automatically** and click **Next**.
7. Select Normal Refund as the **Refund Speed**.
8. Click **Save**.

## Auto-Capture with Custom Timeouts

Once the payment is `created`, you can:

* Auto-capture payments that are `authorized` within a certain time period, and
* Manually capture payments that are `authorized` after that time period.

You can do this by setting up custom timeouts for automatic and manual capture.

### Auto-capture Timeout

Let us say you only want to auto-capture payments that are `authorized` within 3 days from creation.

***

Capture Settings | - Select **Automatic Capture**

* Automatic capture timeout = 3 days.

***

Payments auto-refunded | If payments are `authorized` after 3 days.

Watch this video to see how to set up the **Automatic Capture with Timeout** option.

### Auto-capture + Manual Capture Timeouts

Let us say you want to:

* Auto-capture payments that are `authorized` within 2 days from creation.
* Manually capture payments that are `authorized` within 3 days from creation.

***

Capture Settings | - Select **Automatic Capture**

* Automatic capture timeout = 2 days.
* Manual capture timeout = 3 days.

***

Payments auto-refunded if | - Payments not `captured` by you within 3 days.

* Payments are `authorized` after 3 days.

Watch this video to see how to set up the **Automatic and Manual Capture with Timeout** option.

### To configure capture settings:

1. Log in to your Dashboard.
2. Navigate to the **Account & Settings** option and scroll to the **Payments Capture** option.
3. Click the **Change** button next to **Automatic Capture**.
4. Under **Automatic Capture**, click the drop-down and select the time period in the **Capture all payments authorised within** field. For example, 2 days.
5. Click **Next**.
6. Select **Capture manually via dashboard or API**.
7. Click the drop-down and select the time period in the **Capture payments manually authorised within** field. For example, 3 days.
8. Click **Next**.
9. Select Normal Refund as the **Refund Speed**.
10. Click **Save**.

## Manually Capture all Payments

You can use this setting to capture `authorized` payments manually.

<Warning>
  **Watch Out!**

  Manual capture of payments is not supported on [bank transfer](/payments/payment-methods/bank-transfer). All bank transfer payments are auto-captured.
</Warning>

### Manual Capture Timeout

Let us say you only want to manually capture payments that are `authorized` within 3 days from creation. To do this, you should set the manual capture timeout as 3 days.

***

Capture Settings | - Select **Manual Capture**

* Manual capture timeout = 3 days.

***

Payments auto-refunded if | - Payments not `captured` by you within 3 days.

* Payments are `authorized` after 3 days.

Watch this video to set up the **Manual Capture** option.

### To set up the manual capture:

1. Log in to the Dashboard.
2. Navigate to the **Account & Settings** option and scroll to the **Payments Capture** option.
3. Click the **Change** button next to **Automatic Capture**.
4. Select the **Manual Capture** option.
5. Set the manual capture timeout to 3 days and click **Next**.
6. Select Normal Refund as the **Refund Speed**.
7. Click **Save**.

You can manually capture payments in the `authorized` state using our [Capture API](/api/payments#capture-a-payment) or from the [Dashboard](/payments/payments/dashboard#manual-capture-of-payments). All payments that are not captured within the manual timeout period will be auto-refunded.

## Configure Payment Capture Settings using Orders API

Capture values passed in the [Orders API](/payments/payments/capture-settings/api) take precedence over the Payment Capture settings configured on the Dashboard. You can use this to change the capture settings for individual payments.

### Related Information

* [How Payment Gateway Works](/payments/payment-gateway/how-it-works)
* [Payment States](/payments/payments)
* [Refunds](/payments/refunds)
* Manually capture payments in the `authorized` state using the [Capture API](/api/payments#capture-a-payment) or from the [Dashboard](/payments/payments/dashboard#manually-capture-payments)
* [Set up and Subscribe to Webhook events](/webhooks/setup-edit-payments)