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Are all payment of purchases handled the same way?

No. There are differences with all transactions as they are authorized and paid. Certain merchants swipe the card and request an authorization before the final purchase price is known. Cards used at automated fuel dispenser (pay at the pump) will automatically request and hold a minimum of $51 to be available. Restaurant purchases are increased at authorization an additional 20% to accommodate any tip added. In both cases, only the final amount authorized by the cardholder will be deducted.


Transaction amounts for all Visa authorizations will be held against the balance until the final settlement occurs. This is usually done within a 3-day time frame, but some merchants such as hotel, cruise lines, and car rentals may hold funds against the balance for up to 5 days, as well as hold any additional funds which may be added to the authorization amount.
Cardholders should never attempt a transaction unless they know the balance on the card and what the final purchase will be. Please see the Visa Prepaid Card Fee Summary for any other applicable fees.

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