Understand funding after card authorization
Learn when an authorization is captured, cancelled, or allowed to expire.
FUNDING TIMELINE
MOQ reached → Preparing payment and Supplier readiness check → Payment obligations created → Card authorizations collected → Funding target checked → Authorizations captured or released.
PREPARING PAYMENT
MOQ does not guarantee that PAY records appear immediately. The workflow rechecks the Supplier’s current card-charging readiness before entering payment collection. If charging is temporarily unavailable, preparation is retried about every five minutes.
While a row shows Preparing payment, no buyer payment obligation or payment deadline exists yet. The 48-hour window begins only when the immutable obligations are successfully created.
PAYMENT WINDOW AND CHECKOUT
Each created buyer obligation has a 48-consecutive-hour payment window from obligation creation—not two business days. Follow the exact UTC deadline on the payment record.
An individual Stripe Checkout session expires sooner and may be reopened only while the obligation remains eligible. Checkout places a temporary card authorization hold rather than an immediate capture. The hold is not escrow.
SAFE CAPTURE AND RELEASE
Only Paid quantity and verified authorizations with more than five minutes remaining before Stripe’s recorded capture deadline count toward funding.
At the payment deadline:
• Checkout closes.
• Existing authorization holds are cancelled, and those obligations become Cancelled.
• Unpaid, open, or failed obligations become Expired.
Final funding reconciliation allows a two-minute provider-event grace, so an unpaid page may briefly show Expired while an on-time signed Stripe event is reconciled. An authorization that arrives after local closure is released so a card hold is not left behind.
Authorizations are captured only when eligible funded quantity reaches the required target. If some captures succeed but the full target cannot be collected, the workflow refunds captured funds together with the platform application fee, releases remaining holds, and only then cancels the campaign.
A full Supplier-side capture is accepted only when the campaign is already capture-ready. An early or partial capture outside that state is compensated by refund.
The Supplier is the merchant of record. ImportersDeals displays its own immutable obligation and provider-event ledger, while the connected Supplier Stripe account remains the source for provider settlement and payout details.
SIGNED EVENTS CONTROL STATUS
A return from Checkout, browser message, or email claim does not prove authorization, capture, cancellation, or refund. Signed, verified provider events update the displayed lifecycle state. Refresh the authenticated payment record before retrying, and contact Support with its PAY reference if a mismatch persists.
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