- My order was declined, but I just checked with my bank or credit card issuer and they say I was charged for the declined orders. Why is that?
- Why is my credit card being declined?
- My e-filed tax returns were rejected and I had to print and mail my tax returns. Why am I charged a fee?
- Why am I charged a fee before I e-file my taxes?
- My credit card was declined, but the bank shows the charge. How can I finish my return?
- Why was my credit card billed twice?
My order was declined, but I just checked with my bank or credit card issuer and they say I was charged for the declined orders. Why is that?
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 address) is correct, and if all is well the transaction is processed. If not, such as if you enter an incorrect address, then the transaction is declined.
In either case, your bank or credit card issuer still only has the pending charge on your account. The transaction won't be finalized until the early evening when the card processor sends final confirmations for all of the day's transactions to the banks as explained above.
So, if you had 3 transactions declined and one accepted at 2:00PM, and then checked with your bank at 3:15PM, they would still show all 4 transactions on your account. That is because they won't know until later that evening that 3 were declined. Once they receive that information, those pending charges will be removed from your account.
Charges made after that day's transactions are confirmed, will be processed with the following day's charges.
This is NOT a situation unique with this website, but it is how virtually all online transactions are handled.
PLEASE NOTE: Some banks or credit card issuers can take 48 hours or longer before they remove pending charges.
Also make sure the Card Code (the three or four digit number, that is usually on the back of the card) is entered correctly.
My e-filed tax returns were rejected and I had to print and mail my tax returns. Why am I charged a fee?
To continue with your tax return, either use a different credit card, or double check the name and address shown on the Payment screen to make sure it is matching the name and address listed with your credit card company so that the card will not be declined the next time used.
Two pending charges will show on an online bank statement if your first attempt to pay fails and you correct your credit card information and submit a second time. Whenever a payment is submitted, the charge is automatically pre-authorized by the credit card company even when the card is declined by the credit card company. This charge shows up as a "pending" charge on your bank account. If our system accepts that payment, we send that charge through and it will post to your account. If our system declines your payment, then that charge will not be fully processed and the pending charge will go away within a few business days.
If you have a double charge because you clicked multiple times on the Pay Now button on the Payments screen while the credit card was being processed, any extra charge will be taken off automatically. There will be two or more pending charges on your online bank account, but after a few business days the extra pending charges will go away and only one transaction will be processed.