Explainers: Card payments
Payment Tokenization: How Network Tokens Replace PANs
Network tokens replace PANs with restricted payment credentials that can reach issuer authorization.
Card Authorization Holds: Why Pending Charges Change
Why a pending card amount can change, disappear or become a different final charge.
Settlement Pending: Why an Approved Payment Can Still Take Days
Settlement pending means approved but not yet cleared: how long cards and bank transfers can take.
What Happens After You Tap Your Card?
The terminal's approval is one stage in a payment that still has to be captured, cleared and settled.