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Payment Information

PAYING FOR MY ORDER

There are four ways to pay for your order:

                 Credit Card - Visa, Discover, Master Card

                 PayPal

                 Pick-up (pre-pay using credit card or PayPal)

                 Pick-up (pay in person using credit card or cash

 

CREDIT CARD PAYMENT ISSUES

Have I been charged twice, I see two charges on my statement?

We use a two step process when processing credit cards.  The first step is AUTHORIZE and the second step is CAPTURE.

AUTHORIZE is simply the process of "reserving" the payment amount on your credit card. There is no actual charge being made to your account.  WE OVER AUTHORIZE BY 10% TO PROVIDE FLEXIBILITY IN PROCESSING YOUR ORDER.

CAPTURE is determining the final amount and placing a charge on your account.  THIS IS WHAT YOU WILL PAY.

Why do you OVER AUTHORIZE  - it's confusing?

We have no access to your credit card once it is AUTHORIZED (when you submit the order).  We may need to change the total for the following reasons:

  • We are out of a product and we call you with an alternative that is slightly higher
  • You call us and want to add or change a quantity
  • You order a product that has a random weight (chocolate).  The price may be $4.00/lb and the actual weight is slightly higher (i.e. weight is 1.05 making the price $4.20)
  • We are out of stock and need to adjust your total down.  We want to avoid refunds which can take credit card companies and banks several days to process.

If we did not over AUTHORIZE, you would need to complete a new order since we have no access to your credit card information.  If we CAPTURED or CHARGED your account when you placed the order, we would need to issue a "refund" if your order is less (i.e. product is out of stock).  Refunds can take several days to show up your account.

What happens to this transaction on my credit card statement?

Both the AUTHORIZE and CAPTURE will show up on your credit card statement or on-line if you access your account through the internet.  The AUTHORIZE will usually fall off after 7- 10 day (depending on your credit card company).  Yes, this is confusing especially if the AUTHORIZE is at the end of the month and the charge occurs at the beginning of the month.  Some credit card companies use the word "pending" to describe these transactions.

I've never seen this before, are you unique?

Hotels will use this process when you first check in.  It "reserves" the amount for the room charges in case you exceed your credit limit.  They cannot charge your account once your credit limit is reached.

Gas stations will usually process a transaction for $1 just to make sure you exist before pumping your gas.

Restaurants may AUTHORIZE your charge for the meal and then CAPTURE the total once you add the tip.  In the example below, Applebees bill was for $34.50 and after the tip was added, the actual charge was $42.00

Here is how an on-line statement might look:

 

Pending Transactions
A pending transaction is an item that has not yet posted to your account but is pending and therefore, held against your available credit. Normally, a pending item converts into a posted transaction, but if a merchant does not complete the transaction it will expire and the temporary funds hold will be removed. Some merchants such as gas stations will only authorize your account for $1.00, however the transaction will post to your account for the total amount of your purchase. If you see a transaction listed below as pending that has already posted to your account, it will no longer have an effect on your available credit, however it will continue to display as a Pending Transaction for 7 days from the transaction date.

Tran Date

Post Date

Description

Amount

 

11/08/12

PENDING

TEXAS ROADHOUSE #2261

$xx.xx

 

11/08/12

PENDING

FAIRVIEW

$xx.xx

 

11/08/12

PENDING

MARATHON PETRO092296

$xx.xx

 

11/09/12

PENDING

DTV*DIRECTV SERVICE

$xx.xx

 

11/10/12

PENDING

APPLEBEES

$34.50

 

11/11/12

PENDING

HOLIDAY STATIONSTORES

$xx.xx

 

11/11/12

PENDING

EXXONMOBIL POS

$xx.xx

 

11/12/12

PENDING

CUB FOODS

$xx.xx

 

Posted Transactions

Tran Date

Post Date

Description

Amount

 

11/10/12

11/03/12

APPLEBEES   

$42.00

 

11/02/12

11/03/12

EXXONMOBIL

$35.71

 

11/03/12

11/03/12

CUB FOODS  

$6.58

 

11/05/12

11/05/12

KWIK TRIP  

$72.13

 

11/05/12

11/05/12

CUB FOODS

$53.81

 

11/05/12

11/05/12

COMCAST CABLE COMM

$107.46