A card pre-authorisation is a temporary hold placed on part of your available credit limit before the final transaction amount is confirmed.
💳 Pre-authorisations are commonly used by:
Hotels
Car rental companies
Fuel stations
Subscription services
Merchants requiring a security deposit
The pre-authorised amount may be higher than the final transaction amount.
While the pre-authorisation is active:
Your available limit is reduced
The transaction may appear as pending
The final amount may change before settlement
Once the merchant completes the transaction or releases the hold, your available limit is updated automatically.