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How many days does a credit card authorization hold remain valid?

Credit card authorizations are holds against a balance on a credit card account. The authorization will remain in place until the hold is captured by the merchant, or until the bank cancels the hold.

Detailed Information

Authorization holds (also called card authorizations, pre-authorizations, or voice authorizations) are used to set aside a monetary amount on a credit card account.

This is done for several different reasons, including:

  • Verification that card information is valid
  • Authorization of an amount, which will be captured at a later date
  • Pre-authorization is required for certain transactions

The card issuing bank determines the number of days that an authorization may be held. This may range from 7 days to 30 days, depending on the policy of the bank that issued the card.

After this deadline, the authorization is canceled, and the amount is returned to the available balance on the account. Once this has occurred, a new authorization is required in order to capture funds.

KB ID# INF20144
10/26/2016 12:36:02 AM
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