My payment declined but I was still chargedUpdated 9 months ago

When you make a purchase online, your credit card is not actually charged at that moment. The card processor checks with your bank or credit card issuer to first make sure you have enough available credit to complete the purchase. At that time, your bank or credit card issuer places a hold, or pending charge, on the amount of the intended purchase against your card. The card processor then makes sure the other information you input (for instance, your security code and zip code) is correct, and if all is well the transaction is processed. If not, then the transaction is declined.

This is typically only present for 48 hours but could take up to 7 days before your financial institution releases the hold on the funds and will show as pending in the meantime. A pending transaction is a transaction that has not yet been processed by the merchant. Once your financial institution receives confirmation that the charge was declined, the pending charge will fall off and the amount will be returned to your account balance.

If the charge changes from pending to posted, however, you should contact our customer service team at [email protected].