Pre-authorization

Pre-authorization is the fundamental initial step in payment processing where the system verifies the validity of a customer’s card and ensures sufficient funds are available.

Building on this, the Pre-authorization feature acts as a temporary reservation of the potential transaction amount. This allows the merchant to hold funds and make necessary adjustments to the amount before the sale is finalized. A pre-authorized transaction will display the status Pre-Authorized until the merchant performs a capture, which confirms the sale and finalizes the charge.

Transaction statuses during the payment lifecycle includes:

Authorized / Approved: The check was successful.
Denied: The transaction was rejected (e.g., insufficient funds).
Reversed / Canceled: The transaction was voided before settlement.
Refunded: Money was returned to the customer after settlement.

Below are the ranges of adjustment and capture possibilities for every card in each of our available countries.

Argentina

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex	2	30	15	40	❌	❌	Credit	7
Mastercard	2	30	15	40	❌	❌	Credit	7
Visa	2	30	15	40	❌	❌	Credit	7

Brazil

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex	4	(not available)	(not available)	(not available)	✅	❌	Credit	7
Elo	8	50	(not available)	(not available)	❌	❌	(not available)	1
Mastercard	4	(not available)	(not available)	(not available)	❌	❌	Credit	7
Visa	4	(not available)	(not available)	(not available)	✅	❌	Credit	7

Chile

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex	2	30	15	40	❌	❌	Credit	7
Mastercard	2	30	15	40	❌	❌	Credit	7
Visa	2	30	15	40	❌	❌	Credit	7

Mexico

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Amex - MXN	(not available)	(not available)	(not available)	(not available)	❌	✅	Credit/Debit	30
Mastercard - MXN	3	50	20	10	❌	✅	Credit/Debit	30
Mastercard - PROSA	3	50	20	10	❌	✅	Credit/Debit	30
Mastercard - PROSA - USD	3	50	20	10	❌	✅	Credit/Debit	30
Mastercard - USD	(not available)	(not available)	25	60	❌	✅	Credit/Debit	30
Visa - PROSA	3	50	20	10	❌	✅	Credit/Debit	30
Visa - PROSA - USD	3	50	20	10	❌	✅	Credit/Debit	30

Uruguay

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Mastercard	3	(not available)	20	10	✅	❌	Credit	7
Visa	3	(not available)	20	10	✅	❌	Credit	7

Spain

Available Payment Methods	Max. adjustment limit	Max. adjustment %	Max. capture %	Min. capture %	Allows value reduction	Allows prepaid card	Allowed operations	Capture days amount
Mastercard	(not available)	15	15	0	✅	✅	Credit/Debit	7*
Visa	(not available)	15	15	0	✅	✅	Credit/Debit	7*
Amex
Discover
Diners
JCB
Unionpay

*Capture days amount: up to 30 days depending on the issuing entity.

Late confirmation with credit card

In order to allow a late payment confirmation or a late pre-authorization using a credit card, the GetNet Api expects to receive the following details in the payment request body:

Attribute	Type	Description	Example
`data`	object	First level object
`payment`	object	Second level object (inside `data`)
`payment_method`	string	Property (inside payment object)	`CREDIT_PRE_AUTHORIZATION`

For more details, see the API reference

TESTE

Brazil

Adjustments	Amex	Elo	Maestro	Mastercard	Visa
Max. adjustment limit	4	8	8	4	4
Max. adjustment %	(not available)	50	50	(not available)	(not available)
Max. capture %	(not available)	(not available)	(not available)	(not available)	(not available)
Min. capture %	(not available)	(not available)	(not available)	(not available)	(not available)
Allows value reduction	✅	❌	❌	❌	✅
Allows prepaid card	❌	❌	❌	❌	❌
Allowed operations	Credit	(not available)	(not available)	Credit	Credit
Capture days amount	7	1	1	7	7

Next Step

You can explore more features of the Getnet Global API:

Read more about Create a Pre-authorized Card Payment