J5 transaction: reserving funds on a client's card for later charge

A J5 transaction is a two-step payment process that begins with a pre-authorization. In the first step, the specified amount is reserved (held) on the buyer’s card for up to 168 hours (7 days) without actually charging the card.
To charge the reserved funds, the seller must initiate a charge request within that time frame and within the reserved amount. If the charge is for a smaller amount, the remaining balance is automatically released.
The term “J5” is used in Israeli payment systems as an internal code to refer to this type of transaction.
Use Cases
Delivery orders – The amount is reserved when the order is placed and charged after delivery is confirmed.
Variable price orders – For example, when buying products sold by weight (meat, fruits, vegetables), the final price is determined after weighing.
Pay as you go – The customer uses a service within a limit, and the final amount is calculated at the end.
Car rentals & hotels – The amount is reserved to cover possible damages or extra expenses.
Custom-made products – When ordering custom furniture or jewelry, the amount is reserved at checkout and charged when the product is ready.
Limitations
The charged amount cannot exceed the reserved amount.
Charging is allowed only once. Any attempt to charge again or after 168 hours will result in an error.
Supported Payment Methods
Both Israeli and international credit and debit cards are supported.
Express payment methods (Apple Pay, Google Pay, Bit) are not supported for J5. These buttons will be hidden on the authorization page.
How to Use
J5 functionality is available to developers via the Allpay API: view API documentation.
Demo
FAQ
Does your API support hosted fields?
Yes. Card input fields can be embedded into your website or app, fully adapting their design. Learn more about Hosted Fields.