Title: Mastering PayPal Capture Flows: Risk Mitigation & Authorization Holds (SVB Insider Edition)

Body:

Welcome to the exclusive PayPalCaptureSVB community. If you are here, you already understand that standard documentation doesn’t cover the nuances of high-volume or high-risk capture strategies.

With the changing landscape of payment processing (post-SVB transition), managing your Authorization vs. Capture window is more critical than ever. Here is your technical deep-dive for the week.

3. API Rate Limit Exhaustion

Standard PayPal accounts have a capture limit of 100 per second. Exclusive accounts may get 1,000 per second, but exceeding that without warning triggers an automatic security freeze.

Step 1: Secure the Authorization

You cannot capture what you have not authorized. First, you must create an order and invoke the authorization using a Partner Referral ID (exclusive merchants have a specific partner_client_id).

POST /v2/checkout/orders
"intent": "AUTHORIZE",
  "purchase_units": [
    "amount": 
      "currency_code": "USD",
      "value": "299.99"
],
  "payment_source": 
    "paypal": 
      "experience_context": 
        "svb_exclusive_flag": true

7. Sample End-to-End (cURL)

# Step 1: Authorize
curl -X POST https://api-m.sandbox.paypal.com/v2/checkout/orders \
  -H "Authorization: Bearer <ACCESS_TOKEN>" \
  -H "Content-Type: application/json" \
  -d '"intent":"AUTHORIZE","purchase_units":["amount":"currency_code":"USD","value":"99.99"]'
2. Capture
In payment processing, "authorization" and "capture" are two distinct steps. An authorization verifies that funds are available (holding them in the customer’s account). A capture is the actual transfer of those funds from the customer to the merchant. The paypalcapturesvb process refers to automating or prioritizing this capture step specifically for accounts tied to SVB’s legacy systems.