The withhold happens at your bank, not at the merchant. The merchant has no power to override your bank’s security decision. If a salesperson says, “Let me try running it as credit instead of debit” or “Let me swipe it a different way,” they are just trying different technical paths. Ultimately, if your bank says no, the merchant cannot force a “yes.”
Once you confirm this transaction is legitimate, we will release it for processing and restore full access to your card. The withhold happens at your bank, not at the merchant
Different banks have different security personalities: The withhold happens at your bank
If buying online, double-check that you entered the correct card number, expiration date, billing address, and CVV. if your bank says no