Quote:
Originally posted by MissGrim
You're correct about having the $100, but the way the sign-up process works I have to have $200 or I will end up overdrawn for the three to five business days it takes the hold to fall off. I believe that new clients should be warned about this, as the resulting overdraft prevented my from making other important purchases and took a lot of time to remedy. In my opinion it would be better to allow people to load the initial amount onto their card, but not allow them to use it or transfer it until they were verified... that way both parties are protected and no overdraft occurs. It was a tremendous inconvenience for me (it incurred a $30 overdraft and kept me from picking up medication over a weekend) and I had no reason to expect the transaction to go through that way, since no other online service that I know of does business that way. I would hate to think that my potential clients would have to go through that in order to pay me.
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The pre-auth is dropped before the sale is closed. If there is a glitch at your Issuing Bank and they do not release the pre-auth when we do there is nothing we can do about that. Think about it: We would sell a lot less if we did things the way you experienced. So while I understand your issue and complaint it is not within our control as to how or when your bank drops the pre auth. This is and always will be a problem as so many systems are mismatched.