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What's that odd, small charge on my patient's credit card?

What is it?

Your patient may see a $1 or less “pending” charge on their credit card or bank statement when their card is added on file. This is a temporary authorization charge and it will disappear from their statement, usually in a week or less.

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When you safely store a patient’s credit card on file, Jane Payments sends a request to your patient’s credit card provider or bank for $0 to verify that the card is valid, and the bank will allow it to be authorized. Regardless of whether or not the authorization is declined, Jane Payments reverses the authorization request immediately, but it may take 7-10 business days for the pending authorization to disappear from their credit card or bank statement.

Jane Payments first attempts a $0 authorization, but if that card or bank doesn’t allow $0 authorizations, then we try another small amount as an authorization.

It’s also possible your client might be seeing a pending authorization on their card. This is not a formal charge and is more of a placeholder that indicates there was an attempted transaction (including an attempt to save a card on file).

The authorization is used to ensure the card provided is valid and able to accept charges of this nature. These authorizations will drop off the patient’s card statement after a few days and may appear as long as 7 business days.

It’s similar to pre-paying for gas at a gas station. You’ll authorize up to $50, and the transaction will eventually show as ‘settled’ for the amount you actually ended up paying. In this case, these attempted charges that did not go through will ultimately ‘settle’ at $0 and usually drop off their statement entirely.

They will be able to speak with their card issuer to confirm this is the case, as well as confirm when it is expected to drop off their statement.

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