> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/tuo-guan-zu-jian-ji-cheng/ka-pian/fen-bie-shou-quan-he-shou-qu-kuan-xiang.md).

# 分别授权和收取款项

默认情况下，Codapay 将信用卡支付处理为单笔扣款——授权和扣款同时完成。通过授权和扣款分离，您可以将其拆分为两个不同的阶段：

1. **授权**——持卡人的银行核实付款并冻结资金，但尚未转账。
2. **确认付款**— 您明确确认付款，资金将从持卡人转入您的账户。

如果您在获得授权后决定不继续付款，您可以**取消**已授权的交易以解除对持卡人资金的冻结。

#### 何时使用 <a href="#when-to-use-it" id="when-to-use-it"></a>

当您需要以下情况时，授权和捕获分离非常有用：

* 付款前请核实库存或产品可用性
* 在用户完成支付验证后，执行额外的欺诈或合规性检查。
* 在录入数据之前，先人工审核高价值交易。

#### 先决条件 <a href="#prerequisites" id="prerequisites"></a>

要使用授权和捕获分离功能，您的帐户必须启用以下功能：

1. **POST 通知**— 身份验证和捕获分离仅适用于 POST 通知。有关激活 POST 通知的详细信息，请参阅[“身份验证和捕获通知”页面。](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/authorize-and-capture-a-payment-separately/auth-and-capture-notifications)
2. **身份验证与数据采集分离**——此功能必须单独为您的帐户激活。

请联系您的 Codapay 客户经理以启用这两项功能。

#### 工作原理 <a href="#how-it-works" id="how-it-works"></a>

授权和采集流程如下：

1. 您像往常一样发起付款请求。该功能激活后，Codapay 将在不实际扣款的情况下授权付款。
2. 您将通过 webhook 端点收到通知`AUTHORIZATION_SUCCESSFUL`。`AUTHORIZATION_FAILED`
3. 如果授权成功，您可以决定是**收取款项**还是**取消**付款：
   * **捕获**— 调用[“捕获付款请求”](https://claude.ai/chat/cb09ca98-8996-43b7-87cb-cd20a04c1dea#)端点以完成付款。您将收到`CAPTURE_INITIATED`或`CAPTURE_SUCCESSFUL`通知`CAPTURE_FAILED`。
   * **取消**— 调用[“取消付款请求”](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/authorize-and-capture-a-payment-separately/cancel-a-payment-request)端点以释放已冻结的资金。授权将被撤销。

#### 下一步 <a href="#next-steps" id="next-steps"></a>

* [授权和捕获通知](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/authorize-and-capture-a-payment-separately/auth-and-capture-notifications)— 授权和捕获事件的通知事件类型和有效负载结构
* [捕获付款请求](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/authorize-and-capture-a-payment-separately/capture-a-payment-request)— 用于捕获已授权付款的 API 参考
* [取消付款请求](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/authorize-and-capture-a-payment-separately/cancel-a-payment-request)— 用于取消已授权付款的 API 参考

[<br>](https://coda-payments.gitbook.io/coda-public-technical-documentation/codapay/hosted-component-integration/cards/saving-card-details)


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