FTB-C000710 / Financial concept

Authorization hold

An authorization hold reserves availability for an authorized transaction before its final posting.

Also known asfunds reservationpending-transaction reservation

Intermediate 2 linked topicsEvidence-reviewed

Definitions

In plain terms

The hold prevents the same available funds being promised again while a later capture or release is decided.

Technical

D30 tracks a scoped reservation lifecycle with an active remainder; capture and release requests follow the declared identity and amount rules.

Scope

This payment reservation differs from a hold restricting a new deposit; network and bank lifecycles vary.

Examples

  • A synthetic 5,000-cent reservation can be partly captured for 3,000 cents and release the remaining 2,000 cents.

Common misconceptions

  • A reservation is not itself a posted debit or final settlement.

Concept relationships

Prerequisites

Related

Where this concept is used

Evidence and governance

  1. Account Activity Questions Wells Fargo · official platform documentation

    Supports: preferred label, short definition, variant distinction

    Limits: One bank policy, not a universal formula; its timing/amounts are not adopted as D30 parameters.

  2. D30 glossary teaching-profile scope, Batch 013 The Fintech Builder · internal governed contract

    Supports: technical definition

    Limits: No independent regulatory mandate, real-bank dataset, service execution, external witness or production assurance is claimed.

Reviewed by
fintech-builder-batch-013
Last reviewed
2026-10-27
Next review
2027-10-27
Record status
evidence reviewed

This record is evidence-reviewed and readable, but not yet promoted to published — it is served noindex,follow and excluded from the sitemap.

Written by

Fintech engineer building market-data and financial systems, and the author of every article, glossary record, and reference implementation on The Fintech Builder.