Unexpected $1 Charge on Customer's Bank Statement

Question

Why does my customer see an unexpected $1 charge on their bank statement?

Answer

A customer may see a $1 pending charge on their bank statement as part of the card authorization process. This is a temporary authorization charge and it will disappear from their statement.

Additional Information

  • When storing customer details or using Checkout to collect payment data, Stripe sends a request to the issuing bank for either a $0 or a $1 authorization to verify that the card is valid and the bank will allow it to be authorized.

    • Regardless of whether or not the authorization is declined, Stripe will reverse the authorization request immediately, but it may take 7-10 business days for the pending authorization to disappear from their bank statement.

  • Stripe will first attempt a $0 authorization for Visa, MasterCard, and American Express card sources. If the $0 authorization fails, then a $1 authorization will be attempted. Other card types will begin with a $1 authorization.