> ## Documentation Index
> Fetch the complete documentation index at: https://docs.edisglobal.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Card Reservation vs. Captured Payment

> Understand the difference between a credit card reservation (uncaptured authorization) and a captured payment, how each affects your card and statement.

## Understanding payment reservations vs. captured payments

During payment, a timeout can occur - often related to a poor internet or VPN connection. When this happens during the credit card checkout process, only the **initial phase** of the payment is completed. This initial phase is known as a **reservation** - the amount is temporarily blocked on the credit card, but not actually charged.

The **second phase**, called **capturing**, would finalize the payment. But in this case, the connection or session was no longer valid, or the customer reloaded the page and restarted the checkout. As a result, only the reservation remained without being completed.

***

### 🔒 What is a Reservation?

A **reservation** (also called an **uncaptured payment**) happens when a payment is initiated but **not completed**. It temporarily **reduces the available balance** on your credit card, but:

* EDIS Global does **not receive any money**
* The amount is **only blocked**
* The funds are **guaranteed for us** but not yet transferred
* If we don’t capture it manually, the reservation **automatically disappears within 7 days**
* After expiration, **the line vanishes from your credit card statement**
* A reservation **cannot be refunded**, because the money was never taken from your card.

***

### ✅ What is a Captured Payment?

A **captured payment** is a **successful charge** where:

* EDIS Global has **received the money**
* Your available credit on your card is reduced
* The charge appears on your credit card statement
* If refunded, a **second line will appear** (credit/refund)

Captured payments **can be refunded**, and once refunded, **we no longer have the money**.

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### 💳 Comparison Table

|                        | **Reservation**                      | **Captured Payment**       |
| ---------------------- | ------------------------------------ | -------------------------- |
| Reduces card balance   | ✅ Yes                                | ✅ Yes                      |
| Funds received by EDIS | ❌ No                                 | ✅ Yes                      |
| Can be refunded?       | ❌ No (no money taken)                | ✅ Yes (money returned)     |
| Appears on statement?  | ✅ Temporarily (disappears in 7 days) | ✅ Charge + refund (if any) |

***

### 📝 Real-World Example

Let’s say a customer tries to pay EUR 5 but reloads the page after authorizing the payment. What happens?

* A **reservation** is created for EUR 5 → Balance reduced, but no payment completed.
* The customer retries, and a new EUR 5 **captured** payment is made → EDIS gets the funds.
* Now, if the customer requests a refund for the successful payment, a **credit line** appears in their statement.
* The original reservation (failed payment attempt) **disappears after 7 days** automatically.