When you press the submit button on the order form it sends what is
called an authorization request to your credit card company.
This request includes the amount of the order as well as the billing
information you included on the order form.
Your credit card company
then not only verifies that the card is valid and that the amount
is available, they also verify the full billing information
that was entered.
If the card number is
valid and the funds are available they put an authorization
hold on the funds and return information to us on if the billing
information entered was also valid.
An authorization is only
a hold on the funds for a possible future transfer of funds.
This hold is temporary and if the transaction isn't settled it
will expire even without any action. It is not a completed transaction
and no funds are transferred at that time.
If all of the information
matches and the bank authorizes the transaction we will begin
processing your order. Once the order is ready to be packaged
and shipped the transaction is settled. Only after the transaction
is settled are any funds transferred.
If the credit card company
returns an authorization with an error message that the billing information doesn't match, you will receive an error
message after you submit your order stating the problem. An immediate
void is processed on the authorization hold. The void is processed
within seconds of you pressing the "submit order" button.
For some unknown reason they
process the transactions backwards, doing the hold on the funds before they check the address. This creats
situations where the funds are authorized but the transaction
is voided because the followup information wasn't correct.
Although your credit card
company will show that they authorized the request, they will
not stand behind the charge if the information does not match
and as such we cannot process an order with the information not
correctly matching. They are more than happy to process the charge
because they hold no liability if the transaction is fraudulent
as they have notified us that the information is not correct.
Your credit card company
will still show a temporary authorization hold on the funds.
It can take several working days for them to process the void
on the authorization. The time will vary from one company to the
Unfortunately, Many customer
service people at the card companies don't understand the
difference between a settled transaction and simply an authorization
hold. They will tell you that it was a valid transaction even
though we have processed a void on the transaction and none of
your order details have been recorded or sent to us.
If you received an error message when submitting the order your
transaction has been voided, the authorization will be removed
as soon as your credit card company processes the void. We have
no way of accessing the order or processing the transaction at
The card companies process authorizations and charges immediately
however they do not process voids or credits as fast. We do
not know why they take longer to process voids and credits.
Once the transaction is
voided and you receive the error message we will not receive
a copy of your order, we cannot attempt to reprocess the credit
card, the entire transaction has been voided.
Each time you submit the
order and receive an error message another temporary authorization
hold will be placed on the funds, we highly recommend copying
the information directly from your credit card statement to the
online form to avoid this.
We do not recommend verifying
your address with your card company over the phone as many
address terms will appear different to their processing system,
however they tend to sound the same over the phone; such as: "Ave"
and "Avenue" or "PO Box" and "P.O. Box".
For this reason we recommend using your printed card statement
for the address verification.