Overcapture

Overview

In card payments, Overcapture occurs when a merchant captures (settles) an amount greater than the originally authorized amount.

This is particularly useful in scenarios such as:

• Additional charges (e.g., shipping, handling, gratuities).

• Price adjustments made after initial authorization.

• Reducing the risk of under-capturing when final order values differ.

With Hyperswitch, you can easily enable Overcapture for supported Payment Service Providers (PSPs).

Supported PSPs

Currently, Hyperswitch supports Overcapture for the following PSPs:

• Stripe

• Adyen

👉 If you need Overcapture support for other PSPs, please contact the Hyperswitch Support Team.

How to Enable Overcapture

Overcapture can be enabled in two ways:

1. Profile-level Configuration (via Dashboard)

1. Navigate to: Developer → Payment Settings → Always Enable Overcapture

2. Toggle Enable/Disable as required.

2. Per-request Configuration (via API)

Use the boolean field enable_overcapture in your payment request.

This flag can be set in the following API calls:

• /payments/create with confirm = false

  • /payments/update

• /payments/create call with confirm = true

⚠️ Note:

• The request-level enable_overcapture will override the profile-level setting.

• Overcapture is only applicable for manual capture payments (capture_method = manual).

Example: API Request

{
  "amount": 100,
  "currency": "USD",
  "confirm": true,
  "capture_method": "manual",
  "enable_overcapture": true,
  "payment_method": "card",
  "payment_method_type": "credit",
  "payment_method_data": {
    "card": {
      "card_number": "4111111111111111",
      "card_exp_month": "03",
      "card_exp_year": "30",
      "card_cvc": "7373"
    }
  }
}

Example: API Response

{
  "payment_id": "pay_GPnTPs4e56yZ8FKAcj0K",
  "status": "requires_capture",
  "amount": 100,
  "amount_capturable": 100,
  "connector": "adyen",
  "enable_overcapture": true,
  "is_overcapture_enabled": true,
  "capture_method": "manual",
  "payment_method": "card",
  "payment_method_type": "debit",
  "network_transaction_id": "112181545921495",
  "created": "2025-09-24T11:29:55.629Z",
  "expires_on": "2025-09-24T11:44:55.629Z"
}

• enable_overcapture

  • true → Overcapture was requested for this payment.

  • false → Overcapture was not requested.

• is_overcapture_enabled

  • true → Connector enabled Overcapture for this payment.

  • false → Overcapture is not applicable for this PSP/payment.

Monitoring & Settlement

• After authorization, merchants can view the amount_capturable field (under More Payment Details) to see the maximum amount that can be captured.

• Once the payment is captured (or overcaptured), the final amount will be reflected in the amount_received field.

Merchant Action

• Use Dashboard settings for global enablement

• Use API overrides for payment-specific enablement

• Monitor capturable and received amounts to track final settlements

• Contact Hyperswitch Support for enabling Overcapture with PSPs other than Stripe and Adyen

✅ With Hyperswitch, merchants gain flexibility in handling post-authorization adjustments—ensuring smooth settlements without losing revenue.

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