Sometimes a customer may inform you that they can see a £1 charge on their bank statement.
When authenticating a card or taking a payment, our third party payment provider Stripe will send over a request to the issuing bank for either a £0 or a £1. This authorisation is done to verify that the card being used has been correctly issued. Regardless of whether or not the authorisation is declined, Stripe immediately holds this request. Even if the bank declines this authorisation however, some people may still see a £1 on their credit card statement/online bank within the ‘pending payments section’.
The important thing to remember is that this is not a charge, and will often be appearing in the ‘Pending Payments’ section of their statement. It will disappear from their statement (depending on the bank) anywhere from a few minutes to a few weeks after this initial card payment attempt was made. If the customer has made several unsuccessful attempts to make a payment, there may be several £1 transactions appearing on their statement. Again, these are not charges and will all disappear in due course.
Stripe will first attempt a £0 authorisation in all cases except AMEX (which doesn’t support £0 authorisations - a £1 auth will initially be attempted for AMEX.) If the £0 authorisation fails, a £1 authorisation will follow.