The minimum card payment is {$minimum} {$currency}. => $this->toMinorUnits($cardPortion, $currency), ], [ => $this->toMinorUnits($hold->authorized_amount, $currency), ], [ Manual capture means the number you authorize and the number you capture are different numbers, and the gap between them is where production bugs live. Everything in this post is a consequence of those four facts, learned on a platform where the final amount almost never matches the estimate.