Transactions Help

Some merchant types will preauthorize the card for an amount that may be larger than the actual transaction amount. In this instance, the preauthorization amount must meet the threshold spend limit.

CardValet controls are only invoked during authorization of a transaction. In some cases, such as gas stations, a card may be tested for validity by doing a $1 preauthorization, and the actual transaction amount is charged to the card after the transaction.

Some gas stations will preauthorize for a maximum amount, example: $126, and some gas stations will check validating, example: $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account but without using your card, such as teller transactions or bill pay on an account.

The balance will be updated to reflect the teller transactions if the account processor supplies the updated balance. The balance is updated the next time you log into CardValet.

If an authorization times out due to a communication failure, then the transaction bypasses the CardValet controls and continues with the authorization process. If the transaction passes all other authorization checks, the transaction is approved.