My order didn't go through but my credit card was charged anyway!
Last Updated: 01/24/2020
The (seller's) payment processor asks the (buyer's) bank “is this card good for X dollars” and gets
a yes or no. This is an “authorization” and only means that an amount was
approved to be charged. If yes, then it starts the fraud verification on the
merchant side (the “processor”) where it checks various things like does the billing address match the credit card. If any of that comes back with a problem it then gets declined
by the processor.
is when the actual charge happens. This step doesn’t take place until we manually tell the processor to do so. Typically this is when the item ships. If it’s a
special order or drop shipped item it will be charged when it gets processed.
Until then, it will only be an authorization.
International credit cards sometimes get denied due to the fraud
prevention software the card processors use in the US being unable to verify
the address of a foreign card. When it is declined in this way it will sometimes still show as an "authorization" on the foreign side for several days. If this
happens, your card has not actually been charged anything. It will show up as
"pending" but not an actual charge. It will eventually disappear on
its own. Usually this is within a few days, but it depends on the bank.