Debit card payment reversed automatically?

Question

I shopped online for clothes and the payment was pending then it disappered and It said I still have the $453 dollars that I was to give the website.

It has been 2 days and I still have the money why?

They already shipped my items.

Answer 1

The Vendor has not "captured" the funds.  When you use a Credit or Debit card the Vendor is given an initial authorization to charge your card for X$ (this Auth also lets the Vendor know that your CC is Good) The "Auth" reserves the Vendors money  (on you card) for access at a later date.  If the Vendor does not follow the next step with their CC "Gateway" (this is how the Vendor sends your information to your CC company) which is "CAPTURE"  the funds which have been authorized on your card then you will never be charged, the Vendor may have a Hickey in his web reporting software or he may Capture Funds Manually & someone did not follow up.. In any event the Vendor is now at risk for your purchase.  The Right thing to do is : Call the Vendor & tell them your "funds have not been captured".  Conscience be your guide.. God doesn't like ugly. Marti