Host Capture

Host Capture is a technique employed in payment processing where transaction data is captured and stored on the host server — typically belonging to the payment processor or the acquiring bank — rather than at the merchant’s point-of-sale (POS) terminal.

The transaction data is held temporarily and aggregated into batches, which are then processed for settlement at the close of the business day.

The primary advantage of host capture is that it alleviates the burden on the merchant terminal by shifting the storage and management of transaction data to the host server. This centralized approach enhances the security of transaction data by reducing the points of potential data breaches and facilitating more efficient data management.

Host Capture enables easier tracking and reconciliation of transactions, as all the data is available in a single location, improving the efficiency and accuracy of financial operations.