When you create a Ghost card, we authorize your payment card for 25% of the total. This ensures that the funds for the first payment are available on your payment card. The first payment won’t be charged until you place an order and the store accepts it.

If you change your mind before attempting a purchase, just cut up your Ghost card in the app.

Once you cut up a Ghost card or it expires, the pending authorization will usually drop off in 2-3 business days, although exact timing will depend on your financial institution.