Payment — Funds that a shopper transfers to a merchant for goods or services provided. For some payment methods (e.g. debit and credit cards), a payment operation is performed in two phases: "pre-auth" (authorization) and "capture". At the former, the payment details of the shopper are verified, and the funds are reserved, while at capturing the reserved funds are transferred to the merchant's account. These phases commonly pass together, one immediately after the other. But some PSPs allow you to capture a payment later, for example, after the deal has been confirmed or the goods have been shipped. This, in case of any issue, will let you avoid the bank transfer commission since already captured payments can be only refunded.