Frequently Asked Questions

Q Why was there a hold placed on my account when buying fuel?

When you swipe a credit card at a gas pump, the network sends a preauthorization request to the bank to ensure that there are sufficient funds in your account. The bank checks the account and sends a message back to the pump with an approval (funds available) or a decline (funds not available). Once preauthorized, you can begin filling your tank.

Since banks do not know how much gas you will be pumping, the bank places a hold on the account for the amount they determine to be sufficient to guarantee payment for the gasoline purchase. This hold is usually released when the bank receives the completed transaction, but the release of the hold may take longer, depending on your bank's policy. Please check with your financial institution for more information.

Q How long does it take for a hold to be released?

This hold is usually released when the completed transaction is received by your bank, but the release of the hold may longer depending on your bank's policy. Please check with your financial institution for more information. Toot'n Totum has no control over the amount of time a preauthorization is held on a customer account by their financial institution. In our experience, these holds are usually released within 24 hours.

Q Where can I learn more about these holds?

Here is a great article from the NACS website.