payment hold
[ˈpeɪmənt hoʊld]
nounpl: payment holds
bloqueio de pagamento
1. A temporary suspension or freeze of funds or payment processing, typically placed by a financial institution, payment processor, or vendor
The bank placed a payment hold on the account due to suspicious activity.
O banco colocou um bloqueio de pagamento na conta devido a atividade suspeita.
2. In e-commerce and digital payments, a delay in releasing funds to a seller's account pending verification or dispute resolution
The marketplace put a payment hold on the seller's account pending customer complaint investigation.
O marketplace colocou um bloqueio de pagamento na conta do vendedor pendente investigação de reclamação de cliente.
3. A security measure preventing transaction authorization until certain conditions are met
A payment hold was implemented until the customer verified their identity.
Um bloqueio de pagamento foi implementado até o cliente verificar sua identidade.
Payment holds are common in Brazilian fintech and e-commerce sectors due to fraud prevention measures. They're frequently used by platforms like Mercado Livre and OLX, and by banks as security protocols. In the USA, payment holds are standard practice for digital payment platforms and are particularly common on PayPal, Stripe, and marketplace platforms. Understanding payment holds is crucial for both consumers and merchants in digital economies.
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