Understanding Card Payment Issues and Authorization Holds

3D Secure is a security protocol that some banks require for online purchases. It adds an extra layer of protection for cardholders by requiring additional verification during checkout. Banks can enable this requirement at any time, even for cards that have worked previously without it.

When using a Visa debit card:

- Your bank may place temporary authorization holds on declined transactions

- These holds are standard banking practice for security purposes

- Holds automatically release within 5-7 business days

- This happens because debit cards connect directly to your bank account

- The holds are placed by your bank, not by Bounce

When using a credit card:

- Declined transactions typically don't result in holds

- You can usually try the transaction again immediately

- Your bank may require 3D Secure verification

If your payment is declined, try these options:

Use Apple Pay:

- Add your card to Apple Pay

- This often bypasses 3D Secure requirements

- Complete your purchase using Apple Pay

Try a Different Card:

- Use another card that doesn't require 3D Secure

- Credit cards often work more smoothly than debit cards

Check with Your Bank:

- Ask about temporary authorization holds

- Request information about when holds will release

- Verify your card is enabled for online purchases

Insufficient funds, 3D Secure requirements, or bank security measures. Try using Apple Pay or a different card.

5-7 business days. This timing is set by your bank and cannot be changed by Bounce.

No. Authorization holds are temporary and will release automatically. They are not actual charges.

To resolve payment issues:

- Check your available balance

- Verify your card is enabled for online purchases

- Try completing your purchase with Apple Pay

- Use the payment method selector to try a different option

Remember that authorization holds are a standard banking security measure and will release automatically.