How to for Marshall Configurations | Pre-Authorization

Pre-authorization is a payment feature that allows merchants to verify a customer’s card and reserve a specific amount of funds without immediately capturing the charge. This approach helps operators reduce financial risk by securing funds upfront, making it especially useful for high-value or usage-based transactions where the final amount may vary.

Key points to know:

• The authorized amount may appear as a pending charge to the customer, even though it is not yet captured.
• Fund release can sometimes be delayed for days or even weeks due to issues on the acquirer’s side (not Nayax).
• This flow is less commonly used than the Multisession flow because of these potential delays in releasing funds after the transaction.

How it works:

• The funds are held temporarily typically for several days to guarantee availability when the final amount is determined and captured later.

This configuration is recommended for scenarios where payment certainty is critical before service delivery, such as high-ticket items or variable-cost services.