If a Cardholder uses their Card at an automated fuel dispenser (“pay at the pump”), the Merchant may pre-authorize the transaction amount up to $100.00 or more. If a Cardholder’s Card is declined, even though the Cardholder has sufficient funds available, the Cardholder should pay for the purchase inside with the cashier. If a Cardholder uses their Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the Merchant may pre-authorize the transaction amount for the purchase amount plus up to 20% more to ensure there are sufficient funds available to cover tips or incidental expenses incurred.
Any pre-authorized amount will result in the placement of a “hold” on the related amount of funds available in the Primary Account or Subaccount associated with the Card until the Merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the pre-authorized amount on hold will be removed and replaced by the actual amount of your purchase. If we do not receive the final payment amount, the pre-authorized amount on hold will remain in place for thirty (30) days. During a hold period, the Cardholder will not have access to the pre-authorized amount.