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It depends on the payment provider and the customer's payment method. Mollie supports up to 30 days on Mastercard and Cartes Bancaires, 7 days on Visa and American Express, 28 days on Klarna and Billie, and 180 days on Vipps. PayPal guarantees 3 days at authorization and PayRequest auto-extends it to 29 days. Stripe defaults to 7 days, with up to 30 days on Mastercard when your account is on Interchange-Plus pricing with Extended Authorization eligibility.

The bank's hold window is the hard ceiling, not the product's Hold Duration setting. If your customer paid with a Visa card via Mollie, or with any card via Stripe on standard pricing, the network only guarantees the hold for 7 days regardless of what you configured. The Hold Duration field is PayRequest's internal target — it tells PayRequest when to auto-release. The bank decides the maximum.

Only on PayPal — and PayRequest does it automatically every 3 days up to day 29 of the original authorization. Mollie and Stripe do not support extending an existing authorization. If you need longer than the bank's window allows, release the existing hold and create a new deposit, which means asking the customer to re-authorize.

You need to be on Interchange-Plus pricing with Stripe. Contact Stripe support from your connected Stripe account and request a pricing migration — each connected Standard account owns its own pricing relationship. PayRequest already sends request_extended_authorization=if_available on every Checkout Session, so the longer window activates automatically once your account is eligible. Mastercard typically gets 30 days; Visa and Amex are narrower.

The bank releases the funds and the hold cannot be re-captured. In PayRequest the deposit status switches to Expired (red badge) and the Capture action is disabled. The customer's available balance returns to normal within 1–3 business days, sometimes up to 7. If you still need to charge for damages, you have to invoice the customer separately through a new payment link.

PayRequest logs the failure and flags the deposit. The hold is no longer guaranteed at that point — the bank may release the funds early. Capture immediately if you still need the funds, or contact the customer to set up a new deposit. In practice this is rare (low single-digit percent), typically caused by a cancelled card on file or a suspended PayPal account.

Yes. The branded customer status page shows a live progress bar with the start date, expected end date, and remaining hold time. The bar turns red when 2 days or less remain. Customers also receive automatic email notifications when the deposit is authorized, captured (full or partial), or released.

Mollie's captureBefore, PayPal's honor period, and Stripe's capture_before are the deadlines the PSP commits to — surfaced verbatim in PayRequest. The underlying bank may, in rare cases, release a hold earlier (for example, if the customer disputes it). Treat these windows as deadlines, not minimums, and capture or release with a small buffer.

For European customers, Mollie + Mastercard is the strongest combination — 30 days with no special pricing required. Mollie + Vipps gives a 180-day window for Norwegian and Swedish customers. PayPal direct works well with automated reauthorization up to 29 days. Stripe with IC+ pricing matches Mollie's 30 days on Mastercard but requires a pricing migration first.