Cards & Wallets · Your payment page

Delay Collection Of Funds

Authorise a payment now and capture the funds later. This two-step flow is useful when you need to perform checks before requesting settlement.

A delayed collection is a pre-authorisation — a Payment request with transaction.deferred set to true. We authorise the funds but do not settle them. To complete the payment, send a capture request. If you no longer need the funds, submit a cancel request to release the authorisation.

Authorisations expire after 7 days by default; after that you cannot capture or cancel them.

Authorise a payment

Deferred payment
EndpointDefinition
POST /acceptor/rest/transactions/{instId}/payment
Request body
{
  "transaction": {
    "currency": "GBP",
    "amount": 15.00,
    "commerceType": "ECOM",
    "deferred": true
  },

  "paymentMethod": {
    "card": {
      "pan": "9902000000000018",
      "cv2": "456",
      "expiryDate": "1230",
      "cardHolderName": "John Smith"
    }
  }
}
cURL
curl -X POST "{targetEnvironmentPath}/acceptor/rest/transactions/{instId}/payment" \
  -u "{apiUser}:{apiPassword}" \
  -H "Content-Type: application/json" \
  -d '{
  "transaction": {
    "currency": "GBP",
    "amount": 15.00,
    "commerceType": "ECOM",
    "deferred": true
  },

  "paymentMethod": {
    "card": {
      "pan": "9902000000000018",
      "cv2": "456",
      "expiryDate": "1230",
      "cardHolderName": "John Smith"
    }
  }
}'
Response
HTTP/1.1 201

{
  "processing": {
    "model": "MANAGE",
    "authResponse": {
      "statusCode": "00",
      "acquirerName": "Barclays Merchant Services",
      "message": "AUTH CODE:848819",
      "authCode": "848819",
      "gatewayReference": "ef2d0bcd9352d33a5855d8287d0a843c",
      "gatewayMessage": "AUTH CODE:848819",
      "avsAddressCheck": "NOT_CHECKED",
      "avsPostcodeCheck": "NOT_CHECKED",
      "cv2Check": "MATCHED",
      "status": "AUTHORISED"
    },
    "route": "CPE"
  },
  "paymentMethod": {
    "registered": false,
    "card": {
      "cardFingerprint": "l313hfHapXJiLXyROD3X6P75k9E=",
      "new": true,
      "cardType": "VISA_DEBIT",
      "cardUsageType": "DEBIT",
      "cardScheme": "VISA",
      "cardCategory": "DEBIT",
      "maskedPan": "990200******0018",
      "expiryDate": "1230",
      "issuer": "PAY360 TESTING",
      "issuerCountry": "GBR",
      "cardHolderName": "John Smith"
    },
    "billingAddress": {},
    "paymentClass": "CARD",
    "reuse": {
      "storage": "NONE"
    }
  },
  "customFields": {
    "fieldState": []
  },
  "threeDSecure": {
    "versionsAttempted": [
      {
        "version": 2,
        "availability": "ISSUER_NO_3DS"
      }
    ]
  },
  "transaction": {
    "transactionId": "10253948277",
    "deferred": true,
    "status": "SUCCESS",
    "stage": "AUTHORISATION",
    "type": "PREAUTH",
    "amount": 15.00,
    "consumerSpend": 0,
    "currency": "GBP",
    "transactionTime": "2026-09-01T15:57:33.091+01:00",
    "receivedTime": "2026-09-01T15:57:33.091+01:00",
    "customerInitiated": true
  },
  "outcome": {
    "status": "SUCCESS",
    "reasonCode": "S100",
    "reasonMessage": "Authorised"
  },
  "strongCustomerAuthentication": {
    "transactionType": "GOODS_OR_SERVICES"
  },
  "trace": "T1tI9FvBgcmouCTZeiTZuyQ",
  "link": [
    {
      "href": "https://api.mite.pay360.com/acceptor/rest/transactions/5315271/10253948277",
      "rel": "transaction"
    }
  ]
}

Capture the authorisation

When you are ready to collect the funds, call the capture endpoint with the transactionId returned from the authorisation.

Capture an authorisation
EndpointDefinition
POST /acceptor/rest/transactions/{instId}/{transactionId}/capture
Request body
{}
cURL
curl -X POST "{targetEnvironmentPath}/acceptor/rest/transactions/{instId}/{transactionId}/capture" \
  -u "{apiUser}:{apiPassword}" \
  -H "Content-Type: application/json" \
  -d '{}'
Response
HTTP/1.1 201

{
  "processing": {
    "authResponse": {
      "gatewayReference": "7832031551661246",
      "gatewayCode": "1",
      "gatewayMessage": "FULFILLED OK",
      "status": "AUTHORISED"
    },
    "route": "MCPE"
  },
  "financialServices": {
    "dateOfBirth": "19870818",
    "surname": "Smith",
    "accountNumber": "123ABC",
    "postCode": "BS20"
  },
  "transaction": {
    "transactionId": "13504712364",
    "status": "SUCCESS",
    "type": "CAPTURE",
    "amount": 1000,
    "consumerSpend": 1000,
    "currency": "GBP",
    "transactionTime": "2014-01-06T20:59:40.233Z",
    "receivedTime": "2014-01-06T20:59:40.233Z",
    "relatedTransaction": {
      "transactionId": "13504712363",
      "merchantRef": "mer_txn_1234557"
    },
    "channel": "WEB"
  },
  "outcome": {
    "status": "SUCCESS",
    "reasonCode": "S100",
    "reasonMessage": "Authorised"
  }
}

Cancel the authorisation

To release the authorisation instead of collecting the funds, call the cancel endpoint with the same transactionId. The cancelled amount stops counting against the customer's available funds once their issuer processes the reversal.

Cancel an authorisation
EndpointDefinition
POST /acceptor/rest/transactions/{instId}/{transactionId}/cancel
Request body
{}
cURL
curl -X POST "{targetEnvironmentPath}/acceptor/rest/transactions/{instId}/{transactionId}/cancel" \
  -u "{apiUser}:{apiPassword}" \
  -H "Content-Type: application/json" \
  -d '{}'
Response
HTTP/1.1 201

{
  "processing": {
    "model": "MANAGE",
    "authResponse": {
      "acquirerName": "Barclays Merchant Services",
      "gatewayReference": "ef2d0bcd9352d33a5855d8287d0a843c",
      "status": "AUTHORISED"
    },
    "route": "CPE"
  },
  "customFields": {
    "fieldState": []
  },
  "transaction": {
    "transactionId": "10253948279",
    "status": "SUCCESS",
    "stage": "AUTHORISATION",
    "type": "CANCEL",
    "amount": 15.00,
    "consumerSpend": 0,
    "currency": "GBP",
    "transactionTime": "2026-09-01T15:57:48.170+01:00",
    "receivedTime": "2026-09-01T15:57:48.170+01:00",
    "relatedTransaction": {
      "transactionId": "10253948277"
    }
  },
  "outcome": {
    "status": "SUCCESS",
    "reasonCode": "S100",
    "reasonMessage": "Authorised"
  },
  "trace": "TJnGN1oe4Oi7CV7itUAkEIA",
  "link": [
    {
      "href": "https://api.mite.pay360.com/acceptor/rest/transactions/5315271/10253948279",
      "rel": "transaction"
    },
    {
      "href": "https://api.mite.pay360.com/acceptor/rest/transactions/5315271/10253948277",
      "rel": "related-transaction"
    }
  ]
}

Captures and cancels can also be processed from the merchant portal, so you can choose not to integrate these endpoints and use the UI instead.