Home Help Desk Debit and Credit Card Questions

Debit and Credit Card Questions



Are there any differences in paying with a credit card versus a debit card?

The main difference is that most credit card companies first authorize a customer's card when an order is placed, then actually charge the account when the item is provided -- in our case, at the time we ship your order. The only exception to this is digital purchases such as NOOK Books, NOOK Newspapers, NOOK Magazines, and NOOK Apps—for these items, the credit card account is charged immediately.

Most debit cards reserve funds from a customer's bank account at the time of the original transaction. That amount, therefore, is unavailable to you. When the order ships, the bank pays that debited amount to BN.com. For digital purchases such as NOOK Books, the order amount is immediately debited from the customer's bank account.



How does paying with a credit or debit card apply to pre-order items?

If you pre-order an item and pay with a credit card, the authorization for that purchase usually expires in seven days for Visa, or 30 days for MasterCard, American Express, Discover, and JCB cards. For items that are due to arrive in more than 30 days, we may need to obtain another authorization from your credit card company. Your credit card is charged only at the time we ship the product. The only exception to this is digital pre-orders such as NOOK Books, NOOK Magazines, NOOK Newspapers and NOOK Apps—for these items, the credit card account is charged immediately.

If you pre-order an item and pay with a debit card, your bank places a hold on your account for the amount of that purchase. If your pre-order has not shipped within the allotted authorization time frame (7 days for Visa and 30 days for MasterCard, American Express and Discover), we may need to obtain another authorization from your debit card company. Debited funds are only paid to us when your order ships. For digital purchases such as NOOK Books, the pre-order amount is debited from the customer's bank account when the title becomes available to download.

Please be aware that bank policies and procedures vary. If you experience any delays or errors regarding the availability of funds in your bank account, direct your questions to the bank.



How do backorders and other delays affect my credit or debit card account?

Payment for backorders or delayed products is generally the same as described above for pre-ordered items. If you are using a credit card, it will be authorized but not charged until the item ships. If you are paying by debit card, your bank reserves the funds and forwards that amount to us when we ship the item.


How do cancellations affect my credit or debit card account?

Cancellations
If you cancel an order, or if an order is cancelled because a product is unavailable, your credit card will not be charged.

If you used a debit card, please be aware that although we do not charge your card until the order ships, banks place a reserve against your bank account when your order is placed. If you used a debit card and your order was cancelled, it is your bank's responsibility to release the reserve against your account. Bank policies and procedures vary with regard to releasing a reserve on funds. Any questions about releasing funds should be directed to your bank.

Please Note: Cancellations are not possible on orders for digital products such as NOOK Books, NOOK Apps, NOOK Newspapers and NOOK Magazines. Once purchased, digital products cannot be refunded.