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Authorisation & Capture

Keeping Your Payments Secure

Grab is introducing authorisation holds to verify customers’ payment methods. Here’s what you need to know.

Safety is a huge part of Grab’s DNA. In fact, one reason we started was to provide safer rides to female passengers.

We also look at safety in other forms – including the security of our customers’ payment methods.

Passengers can pay for trips via credit or debit cards via GrabPay. To ensure our payment methods are secure, we’re introducing payment authorisations this month. Here’s what you need to know:  

What is payment authorisation?

It’s a temporary hold on funds on a passenger’s credit or debit card. Once the rider makes a trip booking, the bank will “hold” money on behalf of Grab to ensure there are enough funds to be charged at the end of the ride.
Payment authorisation is an industry-accepted practice; in fact, you’ve probably encountered it before. When you check into a hotel, the concierge usually does a pre-authorisation on your credit card, locking down funds to pay for incidental charges (like if you trash the room). If the room is intact – and you haven’t secretly raided the mini bar – the money is refunded to you.

How much money will Grab place in “hold”?  

The amount varies for each ride and will be calculated based on the vehicle type and the time of booking. Besides covering the basic fare shown on your booking screen, the amount will also account for things like ERP charges,discounts and surcharges.

If the actual fare is lower that the hold amount, Grab will release the funds immediately. However, your bank may take some time to make the funds available for use depending on their policy. Do check with your bank to be sure.

How will this affect my trip? 

GrabPay users may experience authorisation holds for some of their rides to ensure payment security. As mentioned, Grab will release any unused funds at the end of the trip.

What if I am not allocated a driver and/or cancel my booking, and my card has been authorised? 

Grab will hold the authorisation for 30 minutes in case you successfully book another ride immediately after. If you don’t, we will release the hold amount and your bank will refund you.

FAQs

1) Why are we introducing payment authorisations? 

Grab is committed to the security and safety of our platform. Part of this includes ensuring that all our customers’ payment methods are as secure as possible. We are introducing payment authorisations to confirm your payment method is active and available.

2) What is payment authorisation? 

Payment authorisations are a temporary hold on funds on your credit or debit card. It is not charged, until a trip is completed. If we hold more than the trip amount, the excess will be released by Grab – and will be refunded by your bank within 2-4 weeks.

3) Why is the authorisation higher than the estimated fare? 

Occasionally, the authorisation will be higher than the estimated fare because holds account for any additional costs such as ERP and surcharges which are not reflected in the estimated fare. Any unspent amount will be refunded to you by your bank.

4) What if I am not allocated a driver and/or cancel the booking, and my card has been authorised? 

Grab will hold the authorisation for 30 mins, in case of an additional immediate booking. If no more bookings are made within that timeframe, Grab will release the authorisation hold and your bank will refund you.