What does a hold on an account mean?

  • An authorization hold occurs when a merchant verifies that sufficient funds are available in your account for an electronic transaction. A merchant places a temporary hold for that amount on the account until the payment has settled. This appears as a pending charge. 
  • Transaction settlement times vary by merchant. Most payments will settle within a couple of  days, but depending on the merchant type, some authorization holds can last up to seven days.. Especially if the transaction category is “travel” (e.g., Hotel), the hold could last up to 31 days. The goal, in these cases, is to mitigate fraud risk. 
  • If the merchant says they have released the hold and it still appears on the account, please reach out to our Support Team so that we can investigate. 
  • Learn more about authorization holds


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