Understanding Pre-Authorized Charges and How to Address Them

In today's fast-paced digital world, online shopping has become a convenient way to purchase goods and services. However, with the ease of online transactions, customers occasionally encounter issues such as unexpected charges on their credit card or bank account. Understanding these charges and knowing how to address them can alleviate concerns and ensure a smooth shopping experience.

What is a Pre-Authorized Charge?

A pre-authorized charge, often referred to as a pending charge, is a temporary hold placed on your account by a merchant. This hold is a common practice used to verify the availability of funds and to confirm the validity of your payment method before processing an order. It's important to note that this is not an actual charge, but rather a placeholder that ensures the transaction can be completed successfully.

Why Do Pre-Authorized Charges Occur?

Pre-authorized charges occur for several reasons:

1. Verification of Funds: To ensure that you have sufficient funds to cover the purchase.
2. Order Confirmation: To confirm the legitimacy of the payment method used.
3. Fraud Prevention: To protect both the customer and the merchant from fraudulent transactions.

What Happens if Your Order is Not Processed or Canceled?

If your order is not processed or is canceled, the pre-authorized charge should automatically fall off your account. This typically occurs within two business days, although the exact timing may vary depending on your banking institution.

Steps to Take if the Charge Remains

In the rare instance that the pre-authorized charge does not disappear within the expected timeframe, it is advisable to take the following steps:

1. Wait for Two Business Days: Give your bank or credit card provider time to remove the pending charge automatically.
2. Contact Your Bank: If the charge remains after two business days, reach out to your bank or credit card provider for further assistance.
3. Reach Out for Support: If you need additional help, please contact us directly for support. You can submit a request for assistance HERE.

Conclusion

Pre-authorized charges are a standard part of the online shopping process, designed to ensure secure and successful transactions. While they may occasionally cause confusion, understanding their purpose and knowing how to address them can help you navigate your online shopping experience with confidence. Remember, our team is always here to assist you with any concerns you may have.