My credit card declined when placing my online order. Why do I still see a charge reflected on my bank or credit card account?

If the billing address, zip code, or card verification code does not match what your bank or credit card company have on file, we will decline your card.  Before a card is declined, a pre-authorization is sent to the bank or credit card company.

An Authorization hold (also card authorization, pre-authorization, or pre-auth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold “falls off.” In the case of debit cards, authorization holds can fall off the account anywhere from 1–5 days after the transaction date depending on the bank’s policy; in the case of credit cards, holds may last as long as 30 days, depending on the issuing bank.

After the pre-authorization is sent to the bank or credit card company, they will inform us of any items that do not match (ie. billing, zip code, or card verification code).  For security reasons, if any card number comes back with any mismatched information, we will not follow through with the order and your card will decline.  A pre-authorization will be reflected in your statement, but this is not an actual charge and will be removed from your account.  For more information on pre-authorizations, please contact your banking institution or credit card company.


Posted in: My Donation, My Order