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No. Some payments will still be completed, for example:

  • Payments that are processed by a retailer, such as on a plane or road toll
  • Regular subscriptions, e.g. a monthly magazine
  • Payments that are authorised before the freeze is put in place

If I have a pending transaction when I freeze my card, will the transaction be paid?

Yes. Transactions which have already been authorised will clear. It is only from the point that the lock is put in place that a initiated transaction will be declined.

Will spend control apply to Digital Wallet payments (i.e. Apple Pay or Google Pay)?

Yes, card freeze/unfreeze will apply to all Digital Wallet payments.

If card freeze is active against my card, will this prevent a chargeback or refund being processed?

No, the card freeze feature will not prevent refunded transactions or chargebacks.

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