In this scenario, the answer is that your card was not actually billed. Instead, an authorization has been placed on the card (which, if you use a debit card, may appear as a “charge” since it temporarily lowers your available spending limit).
This situation generally only comes into play in two scenarios:
- Our AVS (Address Verification System) or CVV rules, which help protect both you and us from fraud, have kicked in. The processing bank sent the request to charge your card and initially an authorization was approved, but following the approval, the AVS and/or CVV rule(s) failed (address or CVV did not match your bank's records), resulting in your transaction being declined.
- Your bank is "unwilling to accept the transaction," which could be due to a multitude of reasons, the most frequent being: incorrect card number, insufficient funds, bank rejected charges based on location, bank rejected charges based on their own fraud rules. You'll have to contact your bank for the specific reason, as we are not privy to that information.
The pending transaction you're seeing is only an authorization (hold), and will automatically disappear from your card after up to 48 business hours depending on the bank.
If this does not explain your situation, definitely reach out and we'll find a solution.