Some merchants will preauthorize an amount that is higher than the actual purchase amount especially:

  • Gas stations
  • Hotels
  • Car rental companies
  • Restaurants & service-oriented merchants

These merchants may estimate its final value and place a temporary hold on your MCO Card’s funds for the amount indicated by the merchant. The available balance on your MCO Card will need to be sufficient to cover this amount otherwise may result in being declined.

Until the transaction finally settles, the funds subject to the hold will not be available to you for other purposes. We will only charge your MCO Card for the correct amount of the final transaction, and we will release any excess amount when the transaction finally settles.

Gas Stations

Some gas stations may factor in additional amounts to cover potential filling of the tank, which can be around $50-150. To avoid such a hold, you may want to pay at the register inside the gas station, instead of paying at the pump.

Hotels & Rental Companies

Generally these merchants place a hold that is greater than the actual charge to allow for any extra incidental charges. It may take up to 60 days after your stay or your rental to have any excess amounts held by the hotel or rental company added back to your available balance.

Restaurants & Service-oriented merchants

Certain restaurants & service-oriented merchants may hold an amount that is slightly larger than the bill in the event that you include gratuity on your MCO Card transaction. Accordingly, you should ensure that your available balance is 20% (or more) greater than your total bill before using your MCO Card.

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