DataCamp charged my card, but I have not even been able to access Premium content yet. What is going on?
You may have noticed in your bank statement or PayPal account that there is a still a (pending) charge for a failed payment from DataCamp, even though you haven't had access to Premium content. Don’t worry!
Like most online services, we work with an "authorization and capture" method which is very similar to what many hotels do with deposits. They will authorize your card for the deposit and will only capture it in the event it needs to be paid. Otherwise, the funds are released after a short period. More information can be found on this PayPal Help Article: https://developer.paypal.com/docs/classic/paypal-payments-standard/integration-guide/authcapture/.
For visibility, here is the process:
- We receive your payment information, i.e., your credit card details.
- Your bank will then authorize the transaction to confirm whether or not there are sufficient funds. It is at this point that they have also reserved the amount for us in case we choose to debit it from your account.
- After authorization to make the charge, we can capture the money. If we do capture it, then your card has been debited. However, if your payment was canceled or failed due to an error, then it means we did not complete the capture. If you consider the hotel example, it is the same process - if no charge (capture) is made, the money is released.
Sometimes payments fail between steps 2 and 3 which can, understandably, cause confusion. If the transaction appears on your bank statement, don't worry. Some banks show the authorization on the bank statement (usually in the 'future operations' section or similar). The 'transaction' usually disappears from the statement after a few hours or a few days, depending on the bank.
As always, if this article is not helpful, or if you have any follow up questions, please do not hesitate to reach out to us directly by clicking on the Submit a Request option at the top of this page.