Why do I sometimes have problems using my nFinanSe Card at restaurants, and hair and nail salons, when I have enough money left on my nFinanSe Card to cover the bill for the food / service?
When a restaurant or other “tip” oriented Merchant (e.g., spas, hair salons, etc.) requests approval to complete your transaction, the Merchant will often add a fixed percentage (approximately 20%) to the amount reflected on the bill presented to you prior to payment. This additional amount is meant to cover the tip that they expect you will add to the bill. As a result of this increased authorization request, if you have insufficient Available Funds on your nFinanSe Card to cover the amount that the Merchant requested approval for your nFinanSe Card may be declined. If you have more than sufficient Available Funds on your nFinanSe Card to cover the amount that the Merchant requested to approve, it may result in a ‘hold’ on your Available Funds for the additional amount if you do not add the amount they expect. Once the Merchant sends the final transaction amount you designate, the ‘hold’ on your Available Funds will be removed for any additional amount exceeding the final transaction
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