Card Authorizations. Certain purchases will require our authorization prior to completion of the transaction. In some cases, the Authorized Person may be asked to provide identification. If our authorization system is not working, we may not be able to authorize a transaction even if the Authorized Person has authorization and there is a sufficient available balance in the Account. We will not be liable to You or any Authorized Person upon the occurrence of any of these events.
Card Authorizations. If you are issued a Card with your Account, you will be able to use your Card to pay for goods or services or conduct other transactions with a merchant. When you engage in a transaction with a merchant using your Card, the merchant will request preauthorization (“card authorization”) for the transaction. If there are sufficient available funds in your Account, we will approve the request and reduce your Available Balance for as long as the card authorization remains on your Account. Your Available Balance will generally be reduced by the amount of the card authorization. The card authorization will remain on your Account until the merchant sends us the final amount of the transaction and requests payment (“settlement”). In most cases, if the merchant does not request settlement, or the merchant is delayed in requesting settlement, the card authorization will automatically be removed after 3 days. However, certain merchants such as hotels may hold for a period of up to 7 days. It is important to understand that the merchant controls the timing of card authorizations or settlement. A merchant may request settlement after the card authorization has been removed from your Account. This means that if you use the funds in your Account after the card authorization has been removed and the merchant later requests settlement, your Account may become overdrawn. A merchant may also request settlement for an amount that is different than the card authorization. Therefore, it is important that you keep track of your transactions and your balance. Once we have approved a card authorization, we cannot stop the transaction and you will be responsible for repaying any negative balance that may occur.
Card Authorizations. An authorization is when we approve a transaction or purchase. We may limit the number of authorizations we allow during a period of time (for example, if we notice out- of-pattern use of your card, or suspected fraudulent or unlawful activity). For security reasons, we cannot explain the details of the authorization system. If we don’t authorize the payment, we may notify the person who attempted the payment that it has been refused. We won’t be responsible for failing to give an authorization. In our discretion, we may allow or deny transactions or authorizations from merchants who are apparently engaged in or who are identified as engaged in the internet gambling business.
