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I noticed when I bought gas with my credit card that I received alerts for two separate charges, but I only bought gas once. Why did I see two alerts for different amounts?


Some types of merchants (such as gas stations, hotels, and rental car companies) send an initial authorization transaction for a pre-set amount; they do that to make sure that the debit card and the account it’s connected to are valid and funded. When your purchase is complete, the merchant sends a settlement transaction for the actual settlement amount which replaces the original authorization. Sometimes that settlement takes minutes, but it may take up to 3 days to occur. You may never have seen that on your bank statement because by then the settlement has occurred and only the final settlement transaction amount shows on your statement. But since you see transaction information almost instantaneously with SecurLOCK™ Equip, you can actually see both the authorization and the settlement transactions.1





SecurLOCK™ is a registered trademark of FIS Global.

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