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My card declined but my bank shows its charged ?

When transacting through credit cards there are two types of transactions that occur. One is called an authorization and the other is called a capture. An authorization is the first thing that is done whereby the bank puts the amount of the charge on hold returning a message to the processor that the funds are available.

The next step is called a capture. It is at this step that the bank will verify (AVS) that the information entered into the checkout form under "Billing Address" is accurate. The Address Verification System (AVS) is a system used to verify the address of a person claiming to own a credit card. The system will check the billing address of the credit card provided by the user with the address on file at the credit card company. The above error occurs because the address on file does not match the address provided by the credit card company.

The payment gateway queries the bank to see if the address is correct and funds are available, some banks bank place a hold on the funds. If the purchase is not completed, then the hold is dropped from the funds within 1-3 days.

We suggest you to contact your bank and let them know the case and tell them to release your funds.

For details information about your transaction please contact us with your email address, time of transaction.