---
title: Charges
slug: charges
docTags: 
createdAt: 2021-01-13T05:36:13.000Z
---

Learn about managing charges

# Overview

Charges represent the OctiFi loans that are issued to the end-user. You can interact with charges via the charges api in order to change the state of that charge, update metadata, or retrieve details.

## Charge authorization

Charge Authorisation occurs after a user has successfully completed the OctiFi checkout flow and returns back to the merchant site. Authorizing the charge generates the charge\_id that will be used to reference this loan moving forward.

## Charge actions

You can integrate various charge actions into your back-end order management system, where you normally fulfill orders and process payments, refunds, and cancelations.

You can use the Charges Api to manage charges with the following actions:

- Read charge [(charge/detail api)](https://docs.sg.latitudepay.com/apis)
- Capture charges ([charge/capture)](https://docs.sg.latitudepay.com/apis)
- Cancel/Void charges ([charge/cancel)](https://docs.sg.latitudepay.com/apis)
- Partially Refund charges ([charge/refund)](https://docs.sg.latitudepay.com/apis)

These action allow you to manage charges through various states such as authorized, captured, voided, etc.

## Charge Apis

- Check the swagger documentation for the /charge/ endpoint here: [[https://docs.sg.latitudepay.com](https://docs.sg.latitudepay.com/)/apis](https://docs.sg.latitudepay.com/apis)

## Authentication

Charge api should carry the following header: 

**Authorization: Api-Key private\_api\_key **

:::hint{type="success"}
## Charge api is a backend server side api

Hence it should carry private\_api\_key in the header
:::



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