• Authorization -All transactions must go through an authorization process. The authorization will result in an approved or declined transaction.

• Posted - Purchases that have cleared on a customer’s card (funds have been removed to pay the merchant).

• Declined - If the transaction is declined, no funds are taken off the customer’s account. The transaction status will be declined, and the customer’s balance will not change.

• Approved - An Authorization Hold occurs for the approved amount which is set aside for the merchant.

• Authorization Hold - An authorization hold is placed for the amount approved, and transaction will become pending.

           HOTEL HOLD - 35 DAYS

           CAR RENTAL - 60 DAYS

           ALL OTHER TRANSACTIONS - 10 days

• Pending - When a transaction is approved, it becomes pending. Each merchant is given a specific number of days to post the money held for them.

  (In Salesforce, this is called the Release Date, which is when a merch

1. The customer swipes the card for a purchase at a store.

2. The merchant sends communication to Green Dot to hold funds for their service or goods. Green Dot verifies customer information. The verification process includes checking for:• Account validity. • Availability of funds to process the request.

3. Once the customer’s account has been verified, Green Dot approves the authorization. This process “holds” the funds for the merchant. The authorization can also be declined for any number of reasons.

4. The merchant receives communication that the request has been approved. The funds are now set aside, and GreenDot waits for the   merchant’s bank to post the funds. This is the pending status. Once the merchant’s bank processes the transaction, the transaction becomes posted

- For fraud and security, Green Dot may limit and block use of the card in foreign countries.

1. International magstripe transactions are restricted.

2. ATM transactions are allowed but limited to certain foreign countries (EMV cards only).

3. Card present transactions are allowed but limited to certain foreign countries (EMV cards only).

4. Online transactions with international merchants may decline based on country, merchant, or transaction type to protect the customer from fraudulent activity.

• If the customer asks why they can’t use their card outside of the U.S., use the following positioning statement:

   “We limit the use of the card in select foreign countries due to fraud or security concerns.”

• Transaction Code Description - This field displays the transaction type (Example: purchase, Bill Pay, cash withdrawal, fees, etc.)

• MCC Category - This is known as the Merchant Category Code, and it displays the transaction category (Examples: Retail stores, fast food, gas/fuel, service providers, utilities, travel, etc.)

• Authorization Amount - Amount or value of the transaction.

• Authorization Date - This field displays the date and time of the authorization in U.S. Central Time.

• APPROVAL CODE NOTE: DO NOT PROVIDE TO CUSTOMERS

• Release Date (Drop-off date) - if the transaction doesn’t post, please provide the release date as indicated in Salesforce.