Pre-authorization Charges

What is a pre-authorization for an online order?

When you place an order, Courts contacts the bank that issued your credit or debit card, to confirm the validity of the payment method, such as the information you provided to idenitfy yourself, including your name, your billing address, your phone number. Courts also asks to receive from the bank whether your account has the funds, or if you have sufficient credit, available for you to be able to pay for the purchase.  However, we do not charge you for your order at this point.  Rather, your bank will reserve the funds until the entire transaction processes through to you having the merchandise, or the authorization from the back expires. The authorization from your bank is not an actual charge.

Later, we will notify your bank to then charge your credit card once the merchandise you have purchased has been delivered to you, whether that has occurred in a Courts retail store or at curbside pickup, or to your home or business address. When more than one item is purchased on your order, Courts will charge your card for each item as a seperate part of the transaction you have made, as your merchandise is delivered. Since order processing time frames vary by product, your credit card statement may reflect individual charges for each item or the transaction in total. If your order is canceled due to an issue regarding merchandise no longer being available, please know you are not charged, although a credit authorization will have likely occurred.

Credit authorizations will be removed from your account according to the policies of your bank. To better understand how an authorization is removed from your account, contact your bank to clarify how long they hold authorizations for online orders.

We hope this information is helpful. If you have other questions, please use the chat option, or telephone us, and we will be pleased to try to help. Thank you for shopping with Courts!