For transactions that decline due to Insufficient Funds, some customers may have reported that a portion of the charge was deducted from their account. This is because a partial amount was temporarily approved, or authorized, by the customer's bank.
- The partial approval is pending with the customer's bank until their bank reverses the authorization. Once the authorization is reversed, the funds would be fully back in the customer's account.
- This process typically takes 1-3 business days to complete, but can take longer depending on the cardholder's bank.
Why Was the Partial Amount Deducted?
Insufficient Funds declines occur when a customer does not have enough funds to cover the full cost of a charge, resulting in the decline from their bank.
During the transaction, the customer's bank sends a response to PayJunction that only a portion of the total charge amount is available. The customer's bank authorizes for those funds to be held as a partial approval.
With PayJunction, partial approvals are fully declined. When PayJunction receives the response from the customer's bank that only a portion of the charge is available, PayJunction fully declines the transaction.
This results in the customer's bank reversing the authorization, so that the customer's partially authorized funds are ultimately returned to their bank account.