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Reserve and capture

When you initiate a payment, it will be reserved until you capture it:

  • When a payment is reserved it means the customer has approved the payment. The funds are still in the customer's account, but not available to spend on other things.
  • When a payment is captured it means the funds are moved from customer's account to merchant's account.
    • Captured funds will be settled to the merchants settlement account after two business days. See Settlement Information for more details.

Vipps supports both reserve capture and direct capture:

  • Reserve capture is the default. When you initiate a payment, it will be reserved until you capture it. The capture can be done a few seconds later, or several days later.
  • When direct capture is activated, all payment reservations will instantly be captured. This is provided for legacy reasons and is intended for situations where the product or service is immediately provided to the customer, and there is absolutely no chance that the service is not available or sold out, e.g. digital services. Direct capture requires additional compliance checks of the merchant.

Important: It's completely fine to use reserve capture almost exactly like direct capture: Just do the capture immediately after the reservation. The user experience is exactly the same.

Important things to consider:

  • If a payment has been reserved (as with "reserve capture"), the merchant can make an API request to immediately release the reservation and make available in the customer's account.
  • If a payment has been captured (as with "direct capture"), the merchant has to make an API request, and it then takes several days before the amount is available in the customer's account.
  • With "reserve capture" it is possible to reserve a higher amount and only capture a part of it (useful for electric car charging stations, etc). It is also possible to capture the full amount with multiple captures ("partial capture").

This is applicable to:

Reserve​

When the user confirms the purchase in Vipps, the payment status changes to RESERVE. The respective amount will be reserved for future capturing.

For example: Payment confirmation

See the FAQ:

Capture​

There are three types of capture:

These are described in more detail below.

Always use an idempotency key in the capture call.

To perform a capture of the entire amount owed, the amount can be omitted from the API request (i.e., not sent at all), set to null or set to 0. When doing a partial capture, you need to specify the amount.

Please note: It is important to check the response of the capture call. The capture is only successful when the response is HTTP 200 OK.

Payment capture can be made up to 180 days after reservation. Attempting to capture an older payment will result in a HTTP 400 Bad Request.

See the FAQ:

Reserve capture​

Reserve capture is the normal flow.

When the end user approves an initiated payment, it will be reserved until you capture it. When the order is reserved, the amount is marked as reserved by the bank, but not transferred.

Direct capture​

When direct capture is activated, all payment reservations will instantly be captured.

With direct capture, Vipps is responsible for the customer receiving the purchased product. Because of this, direct capture requires additional compliance checks.

A sales unit can only have one capture type, and it must be configured by Vipps. You can't turn direct capture on or off as a merchant.

We strongly recommend using "reserve capture" in all situations.

Please note: Vipps only offers "direct capture" for merchants that use Vipps through a partner, and for merchants that have a Key Account Manager. "Direct capture" must be requested by the partner from the partner manager, or by KAM merchants from the Key Account Manager.

See the FAQ:

Partial capture​

Partial capture may be used in cases where a partial order is shipped or for other reasons.

Partial capture may be called as many times as required while there is a remaining reserved amount that has not yet been captured.

If one or more partial captures have been made, any remaining reserved amount will be automatically released after a few days.

It is also possible to do a partial capture and send an optional parameter to explicitly free the remaining amount immediately.