An authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of verifying electronic transactions initiated 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.” Debit card authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–8 days after the transaction date depending on the bank’s policy. Credit card holds may last as long as 30 days, depending on the issuing bank.
If a debit card, check card, or gift cards is used to make a purchase on the Stackry website and the purchase is not accepted for any reason, please be aware that most banks will hold the ‘authorized’ funds (counting against the account balance until the authorization clears). The most common reason for a failed transaction is that the billing address entered does not match the billing address for the debit/check/credit card/gift card being used for payment.
Stackry does not have the capability nor is obligated to release the bank’s temporary hold on authorized funds.
If you just placed or attempted an order, what you are seeing on your bank account is an authorization or a “pending charge”. This is a common bank practice handling credit card transactions to ensure sufficient funds and account authenticity.
If your order was declined, denied, or canceled this authorization will clear on its own. If your order is successful, the authorization will turn into a charge once your order ships. If your order is delayed for any reason, the authorization may clear within a few days then come back as a charge once your order ships.
Please only click the “Place Order” button once to avoid multiple authorizations.