Submit an initial authorization at check-in for the estimated amount, using the appropriate industry-specific MCC and lodging/auto rental fields in the authorization request
Before the original authorization expires or when the estimated total increases, call the incremental authorization endpoint with the additional amount increment and the original PSP reference
Receive the updated authorized total in the response and store the new authorization reference
Repeat incremental authorizations as needed throughout the stay, ensuring each increment arrives before the current authorization window closes
At checkout, capture the final total (which must not exceed the cumulative authorized amount) using the most recent authorization reference
Void any residual hold if the final charge is less than the total authorized amount
Known gotchas
Incremental authorization is only supported on Visa and Mastercard for specific MCCs (lodging, vehicle rental, cruise lines); attempting it on an unsupported MCC will result in a decline
Each incremental authorization resets or extends the hold window on supported issuers, but not all issuers support this; some will treat the increment as a new authorization
The final capture must reference the correct authorization PSP reference that reflects the full incremented amount, not the original authorization reference alone
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp