Not a technical person but was tasked to find out the possible payment methods for a mobile application. We are an ordering startup and are looking to integrate various payment methods (credit/debit/Google Pay/Apple Pay) into our mobile app. Just wanted to confirm if the 'authorise and capture' API works this way (like hotel bookings): 1) When user selects one of the payment methods and clicks pay, it authorises the bank to lock a certain amount (e.g $10). 2) When the restaurants fulfils the order and marks it as completed, it prompts the capturing of the $10. Paypal receives a transaction fee for this. 3) When restaurant rejects or fails to fulfil the order, the authorisation expires after a certain period (e.g 1 day) and the $10 is unlocked. Paypay DOES NOT receive a transaction fee for this. Is this how it works? Basically we are trying to reduce the number of refunds that we have to process due to our partnered restaurant's failure to fulfil the orders. Refunds and transaction fees are piling up when merchants fail to accept and fulfil the orders! Would 'authorisation and capture' work for both Google Pay and Apple Pay since they are just a tokenized form of issued credit/debit cards. I would assume that they work similar ways. Thanks in advance for all comments, really hope someone can help me out given that I do not have a technical background...
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