Split Tender Capture Business Rules

Overview

Capturing payments in split tender transactions requires careful coordination across all payment methods to ensure transactional integrity and compliance with payment network rules.

Key Considerations

• Payment type (SALE vs PRE-AUTH) determines capture process
• All payment methods must be eligible for capture in a split tender transaction
• Both payments must be in the correct status before capture can proceed
• If one payment cannot be captured, the transaction may require manual intervention or rollback

Capture Eligibility Matrix

The table below outlines the eligibility for capture across different payment method combinations and payment types:

Payment Combination	Payment Type	Eligibility	Required Status	Notes
Card + Card	PRE-AUTH	✅ Allowed	Both in AUTHORIZED	Must capture both payments together
Card + Card	SALE	❌ Not Allowed	N/A	SALE transactions do not require separate capture as funds are captured immediately during authorization.
Card + ACH	SALE	❌ Not Allowed	N/A	SALE transactions do not require separate capture as funds are captured immediately during authorization.
ACH + ACH	Any	❌ Not Allowed	N/A	ACH+ACH capture is not applicable

Capture Rules by Payment Method

Card Payments

Card payments have specific capture requirements:

• PRE-AUTH transactions must be captured while in AUTHORIZED status
• SALE transactions are captured immediately or after authorization
• Capture must occur before authorization expires (typically within 7 days)