Authorization & Capture Flow | RMO Developer Center

Authorization & Capture Flow

The RMO payment process uses a two-step flow—Authorization and Capture—similar to card networks and major payment processors.

Step 1 — Authorization

A merchant sends an authorization request to:

POST /merchant/v1/transactions/authorize

During this step:

  • Merchant identity is verified

  • Payment credentials (PaymentCode or card) are validated

  • Member account and balance/permissions are checked

  • Limits, fraud controls, and risk processes are applied

  • An authorization record is created for future capture

No funds are moved during this step.

Step 2 — Capture

A merchant captures funds once they are ready to finalize the transaction:

POST /merchant/v1/transactions/capture

During a capture:

  • Funds movement is initiated

  • A finalized transaction record is created

  • Merchant transaction reporting is updated

  • The transaction becomes eligible for settlement

Combined Sale (Auth + Capture)

For merchants who do not need a two-step flow:

POST /merchant/v1/transactions/sale

This completes authorization and capture instantly.


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