💳 Payment Declined: Why Are My Funds Still Reserved?
We understand it is concerning when a card payment is declined but the funds remain held in your bank account. This is due to a standard banking security measure called pre-authorization.
Understanding the Pre-Authorization Hold
Paybis initiates a pre-authorization hold on your funds for each transaction attempt. When a payment is declined, the hold is released, but it takes time for your bank to reflect this change.
Timeline for Funds Release:
| Scenario | Release Timeline |
|---|---|
| Instant Release | Funds may free up instantly in your account. |
| Standard Release | The hold is typically released within 72 business hours. |
| Rare Cases | Depending on your specific bank's policies, it can occasionally take up to 14 business days. |
Learn More: You can read more about the pre-authorization hold process and how it works.
Action for Your Bank
If your bank requires confirmation about the canceled transaction directly from Paybis, they are welcome to contact our team:
Bank Contact Email: support@paybis.com