Understanding Pending Charges and Booking Requests

As a Guest it is important to know at what point in the booking process your payment method will be charged. Generally, the moment you submit a booking request, a pending hold of funds will be applied to your card. The Host then has 24 hrs to respond before the request expires. 

Below is a table showing each stage of the booking process and what stage the payment is in.

Booking Status*	Payment Status
Pre-Approval	No charge or hold on funds
Pending	Temporary hold applied on funds. Funds are still in Bank’s possession.
Confirmed	Charge is finalized and funds are transferred from the Guest’s bank to Swimply. Guest will receive a confirmation email (including listing address and access information and a payment receipt).
Declined	Temporary hold released. Bank may take 3-7 business days to put the funds back into your account. Contact bank for questions.
Expired	Temporary hold released. Bank may take 3-7 business days to put the funds back into your account. Contact bank for questions.

*Please Note: The above chart is for Request-based bookings only. For Instant bookings, the reservation will immediately go to confirmed status and the charge will be processed immediately.

In any instance the hold on your card is released, you will not see a refund on your transaction statement. You'll simply see the original authorization disappear completely after a number of business days. No payment will be made and no refund will be issued. It will appear that the whole transaction never took place.