Which term defines the situation where the capture amount exceeds the previously authorized amount?

Which term defines the situation where the capture amount exceeds the previously authorized amount?

• A. Incremental authorization.
• B. Multicapture.
• C. Extended authorization.
• D. Overcapture.

Answer: (D)

The main idea here is about staying within what a cardholder has authorized. When a merchant captures funds, that capture amount must not exceed the amount that was initially authorized. If the merchant attempts to capture more than that authorized amount, the situation is called overcapture. It signals that the capture would pull in more funds than the issuer had set aside for this authorization, which typically isn’t allowed unless an additional authorization or incremental authorization is obtained first. The other terms describe different scenarios: incremental authorization means increasing the authorized amount before capture; multicapture refers to multiple captures against the same authorization; extended authorization involves keeping the authorization valid for a longer period. Overcapture is the correct term because it precisely describes capturing more than was authorized.

The main idea here is about staying within what a cardholder has authorized. When a merchant captures funds, that capture amount must not exceed the amount that was initially authorized. If the merchant attempts to capture more than that authorized amount, the situation is called overcapture. It signals that the capture would pull in more funds than the issuer had set aside for this authorization, which typically isn’t allowed unless an additional authorization or incremental authorization is obtained first. The other terms describe different scenarios: incremental authorization means increasing the authorized amount before capture; multicapture refers to multiple captures against the same authorization; extended authorization involves keeping the authorization valid for a longer period. Overcapture is the correct term because it precisely describes capturing more than was authorized.