Failures, Processing & Disputes
If a transaction or withdrawal fails, it’s usually due to incorrect info, network issues, or policy constraints.
8 articles
Why does my spending transaction show as pending?It’s normal for a pending status to last a day or two while the system completes the authorization → capture → settlement flow.
I was waiting on a refund on a transaction authorization. Now it's gone. What happened?If the authorization no longer appears, it means the merchant never finalized (settled) the charge.
How are chargebacks/disputes handled?Laso (and its issuing banks) cannot support chargebacks. There’s no way to undo a confirmed transaction or force a merchant to reverse it.
Adding to PayPal fails.PayPal may reject adding your card due to:
Can cards be issued through an API or white labeled?Answers about API or White-Labeled.
Why can’t I add a card to Apple Pay?There are several reasons why adding a card to Apple Pay (via the Wallet app) might fail. One lesser-known cause we’ve observed is related to recent iOS upgrades.
My card shows an authorization amount higher than what I should have been chargedAs an anti-risk measure, some businesses, like Uber Cash, will authorize your card at a higher amount, then settle back down to the correct amount.
Business says card declined, but it shows authorized.This is common. The business may think your card was declined even though it shows as authorized. Don’t worry: your transaction will automatically refund.