Payment hold
and refund
management
Minimize non-payment risks while keeping high conversion and service quality
Customer convenience
When the deal is completed, only the amount for services provided is captured; the rest is released instantly
3 ways to cancel a payment
Void the hold,
standard refund
or partial capture
Risk protection
Pre-authorize the required amount on the customer’s card until the deal terms are met
Customer
convenience
When the deal is completed,
only the amount for services
provided is captured;
the rest is released
instantly
Customer convenience
When the deal is completed, only the amount for services provided is captured; the rest is released instantly
3 ways to cancel a payment
Void the hold, standard
refund or partial capture
Risk protection
Pre-authorize the required amount
on the customer’s card until
the deal terms are met
Payment
hold
Deferred payment
Pre-authorization: funds are reserved on the customer’s card for a future purchase and are not charged until the deal is completed or canceled
No transaction fee is charged
when a hold is voided
How payment hold
and partial
capture
work
Customer / Merchant
Places an order
Payture
Sends a request
to the acquiring bank
to hold the funds
Acquiring bank
Sends a request
to the issuing bank
Issuing bank
Holds the funds
Full
or partial
refundsFull or partial
refunds
A full or partial refund is made after the capture and may take
5–7 days
The fee charged for a successful capture is not returned
when a refund is made
How full
or partial
refunds work
Customer
Returns the order
Merchant
Sends a refund request
to Payture
Payture
Sends a request to the acquiring bank
Acquiring bank
Sends a request
to the card scheme
Card scheme
Sends a request to the issuing bank
Issuing bank
Refunds the customer within
5–7 days
Customer
Returns the order
Merchant
Sends a refund request
to Payture
Payture
Sends a request to the acquiring bank
Acquiring bank
Sends a request
to the card scheme
Card scheme
Sends a request to the issuing bank
Issuing bank
Refunds the customer within
5–7 days
payment methods
Payment methods
supported
by this solution
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Accept online payments with modern payment methods in the currency you need on your website, marketplace, online store or app
FAQ
Still have questions?
We may have already answered them
No more than 5–7 days. Within this period, you must finalize the transaction (void or capture it); otherwise, you may receive a late presentment chargeback.
The funds are automatically released on the customer’s account. Chargebacks don’t apply to such transactions.
Holds are available for online card payments, as well as for T-Pay, SberPay, and Mir Pay. Holds aren’t available for payments via Russia’s Faster Payments System (SBP).
With a two-step payment (funds are held and then captured), you can confirm the capture via the API or in the merchant dashboard. If the merchant doesn’t finalize the payment, the issuing bank automatically cancels the authorization within 30 calendar days. The funds are then automatically released on the customer’s account.
No, there’s no fee for holding funds. Fees are charged on capture or refund transactions.
Yes. For example: you hold RUB 10,000 → capture RUB 8,000 → RUB 2,000 is returned to the customer.
