Common use of Authorization Holds Clause in Contracts

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile Wallet, other than transactions withing the Mobile Wallet Marketplace that display a cancel transaction button. When you use your Mobile Wallet to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and the Bank will place a temporary hold on your Mobile Wallet’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Mobile Wallet, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet has an available balance that is 20% (or more) greater than your total bill before using your Mobile Wallet.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total billxxxx, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill xxxx before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and the Bank we will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total billxxxx, after adding in the additional 20% (or more), exceeds the amount available on in your Mobile WalletDigital Bank Account, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Digital bank Account has an available balance that is 20% (or more) greater than your total bill xxxx before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total billxxxx, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill xxxx before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and the Bank we will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on in your Mobile WalletDigital Bank Account, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Digital bank Account has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60sixty(60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing the Mobile Wallet Marketplace that display a cancel recurring transaction buttonas described below. When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet to obtain cash Card at an ATM or from for a bank tellerteller cash advance transaction, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of fundsfunds indefinitely. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional addition amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total billxxxx, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before xxxx prior to using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and the Bank we will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented serviceoriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile Wallet, other than transactions withing the Mobile Wallet Marketplace that display a cancel transaction button. When you use your Mobile Wallet Card (or a person you authorize uses your Card) to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet to obtain cash Card is used at an ATM or from a bank tellerATM, we generally will authorize the transaction in advance (including all applicable fees). When we authorize a purchase the transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will may place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchantmerchant or ATM owner/operator. If you We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction. Transactions at certain merchants that authorize high dollar amounts, such as hotels, may cause an “authorization” or a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold “hold” on your available balance for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump30 days. Until the transaction finally settlessettles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. Please note that we will not manually release authorizations without a certified letter or fax from the merchant. Special Information about Automated Fuel Dispensers (Pay-at-the-Pump) Fuel Purchases. When you use your Mobile Wallet at certain restaurants and Card to purchase gasoline using a self-service, pay-oriented merchantsat-the-pump location, there a hold may be an additional 20% (or more) added to placed on your Card Account for the authorization to cover any tip you may leave on the purchasepending transaction. If this occurswe place the hold, it will not exceed $75 (and will be for less if your total billaccount balance is under $75). However, after adding if the fuel station places the hold, it could be for a higher amount. If the fuel station places a hold that is more than your available balance, the transaction will be declined by the Automated Fuel Dispenser. Synovus Bank has no control over the amount of the hold placed by the fuel station and takes no part in the additional 20% (fuel station’s decision to decline or more)accept any pay-at-the pump transaction. If the transaction is approved, exceeds regardless of the amount, you agree that we have the right to temporarily hold the authorized amount from your available on your Mobile Walletbalance, your transactions may even if it is greater than the final purchase amount. This hold could cause other subsequent purchases to be declined. AccordinglyTo avoid a declined purchase, you should ensure that your Mobile Wallet has an available balance and/or to avoid incurring a hold amount that is 20% (or more) greater than your total bill before using actual purchase amount, you can choose to pay for your Mobile Walletgas purchase by providing your Card to a cashier and requesting that the cashier authorize your purchase for an amount no greater than the available balance of your Card.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below entitled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank tellerATM, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank we will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional twenty percent (20% %) (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional twenty percent (20% %) (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is at least twenty percent (20% %) (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank teller, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, and the Bank we will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-inat the time they obtain a Card authorization, and it may take up to sixty (60) 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; tank (if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump). Until the transaction finally settles, the funds subject to the hold will not be available to you in your Uphold USD Account for other purposes. We will only charge your Mobile Wallet Uphold USD Account for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount of U.S. dollars available on in your Mobile WalletUphold USD Account, your transactions Card transaction may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.

Authorization Holds. You do not have the right to stop payment on any purchase transaction originated by use of your Mobile WalletCard, other than transactions withing a Recurring Transaction as described in the Mobile Wallet Marketplace that display a cancel transaction button. Section below titled “Recurring Transactions.” When you use your Mobile Wallet Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and the merchant may estimate its final value. When you use your Mobile Wallet Card to obtain cash at an ATM or from a bank tellerATM, we will authorize the transaction in advance (including all applicable fees). When we authorize a purchase transaction, we commit to make the requested funds available when the transaction finally settles, settles and the Bank will place a temporary hold on your Mobile WalletCard’s funds for the amount indicated by the merchant. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. Car rentals, hotels and other service-oriented merchants may choose to factor in additional amounts upon check-in, and it may take up to sixty (60) days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance. Similarly, some gas stations may factor in additional amounts to cover potential filling of the tank; if you want to avoid such a hold, you may want to pay inside the gas station, instead of paying at the pump. Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your Mobile Wallet Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles. When you use your Mobile Wallet Card at certain restaurants and service-oriented merchants, there may be an additional 20% (or more) added to the authorization to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on your Mobile WalletCard, your transactions may be declined. Accordingly, you should ensure that your Mobile Wallet Card has an available balance that is 20% (or more) greater than your total bill before using your Mobile WalletCard.