You can hold customer's balance / credit limit which you can charge later or in the foreseeable future by following these steps:

• You can create an authorization of that transaction first. When an authorization is successful, it means that the customer's card is active, has sufficient balance for the payment and the transaction amount has been AUTHORIZED / put on HOLD for merchant to capture in the foreseeable future (not yet charged). 
• You can only create an authorization via API at the moment. Please refer to our API reference to learn more. 
  • If you decided to capture / charge that authorization, you can refer to our API reference here. 
  • On the other hand, if you decided to reverse the authorization back to your customer, you can do so by referring to our API reference here. 

Important Note:

• If an authorization was not captured / charged within ~7 days (the period might change according to the issuing banks, but generally it is within 7 days) the authorization will be automatically released / reversed back to the cardholder.