Using your card at businesses where tipping is common, an additional tip amount may be temporarily added to the bill. The merchant authorizes this total amount on your Focus Card.

• Your available balance needs to cover the bill plus the additional tip amount. It’ll remain pending for up to 10 days or when the merchant collects the amount you signed for, whichever comes first.

For example, if you’re bill is $25, the restaurant would authorize $30 ($25 + 20% tip). You choose to leave a tip in cash, so you sign the receipt for $25. In this scenario, the $30 authorization will remain pending until the restaurant collects their $25. After that, the 20% tip ($5) is freed up to use for purchases again.

• If your balance cannot cover the bill plus the additional tip amount, the transaction will be declined.

Visit our FAQ page for more information on your Focus Card®.