--- title: Credit Card and Refund Processes description: When you submit an order online, your credit card is pre-authorized, not charged. A pre-authorization is a temporary hold that confirms your bank has enough available funds. Most banks display this as a PENDING transaction. --- [Skip to content](https://support.fmexpressions.com/credit-card-and-refund-processes#main-content) [![FMExpressionsLogo](https://support.fmexpressions.com/hs-fs/hubfs/FMExpressionsLogo.jpg?width=75&height=75&name=FMExpressionsLogo.jpg)](https://support.fmexpressions.com/?hsLang=en) - [\<- Back To FMExpressions.com](https://www.fmexpressions.com/) - [Contact Us](https://www.fmexpressions.com/pages/contact-us#contactus) Open main navigation Close main navigation - [\<- Back To FMExpressions.com](https://www.fmexpressions.com/) - [Contact Us](https://www.fmexpressions.com/pages/contact-us#contactus) How can we help you? - There are no suggestions because the search field is empty. 1. [FM Expressions Help Center](https://support.fmexpressions.com/?hsLang=en) 2. [Ordering](https://support.fmexpressions.com/ordering?hsLang=en) June 2, 2026 # Credit Card and Refund Processes #### When You Place Your Order When you submit an order online, your credit card is **pre-authorized**, not charged. A pre-authorization is a temporary hold that confirms your bank has enough available funds. Most banks display this as a **PENDING** transaction. Once your entire order ships, we **capture** (charge) the final total. After the charge goes through, the original pending hold is removed by your bank; typically within **1-3 business days**, depending on their policies. #### When You Modify Your Order (Different Dollar Amount) If you update or remove items before your order ships, you are only charged for the items that actually ship. **Example:** If you place a $300 order and cancel $100 of it, we will release the original $300 pending hold. When the order ships, your card will be charged **$200**, the amount of the shipped items. We also cannot charge more than the original pre-authorization amount. If your changes increase the cost of your order beyond the initial total, we will either need to: - Cancel and re-place the order with a new authorization, **or** - Send you a separate invoice for the additional amount depending on the changes required. Your bank will clear the original pending amount within **1-3 business days**. #### When You Cancel Your Entire Order If your full order is canceled before it ships, we void the pre-authorization. A **VOID** simply removes the pending hold; it is not a refund, because your card was never actually charged. Once the void is processed, the pending authorization disappears from your account. Most banks clear it within **1-3 business days**. #### A Few Things to Know - Banks may use different terms such as *authorization*, *pending charge*, or *temporary hold*. - Some banks take slightly longer than 3 days to clear pending transactions—this timing is fully controlled by your financial institution. - You will only see an actual **refund/credit** on your statement if a charge was completed and then reversed (which does not happen with pre-authorization voids). - [About Heat Transfers](https://support.fmexpressions.com/about-heat-transfers?hsLang=en) - [Artwork Resources](https://support.fmexpressions.com/artwork-resources?hsLang=en) - [Ordering](https://support.fmexpressions.com/ordering?hsLang=en) [![FMExpressionsLogo-1](https://support.fmexpressions.com/hs-fs/hubfs/FMExpressionsLogo-1.jpg?width=75&height=75&name=FMExpressionsLogo-1.jpg "FMExpressionsLogo-1")](http://fmexpressions.com) 401 Taylor Avenue, Gordonsville, VA 22942 [(888) 788-7133](tel:+18887887133) Copyright © FM Expressions