Credit Card Usage at fatbikez

Faq's on using credit cards

Before you select the credit card option at checkout here are a few things to consider.
If your card is a prepaid card and purchased at a retail location, please use paypal as the checkout option. Authorize.net which is our Payment processor does not approve cards without a valid address programed into the card. Since the card is prepaid, there is no address!.. Oddly enough paypal approves those.

Out of Country Cards

If you are using a card that as been issued outside of the United States your card will not work. We require for extra security that the card has Address verification turned on. The only countries that use this as of now are

The United States
Canada
The united Kingdom and Australia.

If you are using a card from outside of those countries please use paypal as the checkout option.

Why was my credit card declined

There are times when unfortunately your credit card will be declined. Other then having insufficient funds in your account
your card may get declined for a number of other reasons. Here are a few

You entered the wrong billing address
you entered the wrong zip code
your name was spelled wrong
your size and state were spelled wrong
your 3 or 4 digit code was incorrect

The only reason that we are as strict as we are with credit cards is to prevent fraud. There are times when a criminal
will steal your card and go around spending money everywhere. However if they do not have your billing info exact
they can't use the card.

Why was my card charged if it was declined.

You may notice that even though your card was declined you will see see funds taken out of your account.   This is perfectly normal,
all that is, is an Authorization charge. Whenever you attempt to purchase something for X amount of dollars the bank verifies
that the funds exist and puts them aside.   When your card is declined those funds are put aside but not charged. They will return to your
credit card within 3 business days.   We tried to see if there was a way to prevent this from happening but there is none.