Understanding Pending Charges & Authorizations

Get more information on how pre-authorizations or pending charges work.

  • Apr 16, 2026
  • CCT Knowledgebase

Here Are The Details

When an order is placed on Shutterfly, a pending charge for the full order amount will appear on the bank account used to place the order. This pending charge may also be referred to as a ”pre-authorization,” “authorization hold,” or a “pre-charge”. This authorization reserves the necessary funds until the payment is processed or the order ships.

 

 

JUMP TO:  Helpful Tips  |  Pending Charges/Authorization Timelines

 

 

Helpful Tips
  • If an order is cancelled or a credit/debit card is declined, the pending charge or authorization will clear automatically.
  • To avoid delays or payment issues, ensure that the billing information on the order matches the information associated with the credit/debit card and that sufficient funds are available.
  • Shutterfly is not responsible for overdraft fees and unable to release bank-issued pre-authorizations.
  • For additional assistance, contact the issuing credit card company or bank directly.

 

Pending Charges/Authorization Timelines
  • Credit card authorizations may take up to 30 days to clear.
  • Debit card authorizations may take up to 8 days to clear.
  • The pre-authorization will convert into a charge after 4 days, or once the order is completed and shipped (if earlier than 4 days).

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    Understanding-Pending-Charges-Authorizations
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    Understanding Pending Charges & Authorizations
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