When Your Card is Charged

Understanding the payment process in ReciGo is essential for managing your payments. This guide explains exactly when your card is held and charged during a job's lifecycle.

📋 Quick Summary

🔍 Detailed Step-by-Step Process

Posting Job: €0 Charged

When you post a job on ReciGo:

• ✅ Create the listing for free
• ✅ Nearby helpers are notified
• ✅ Receive offers with no commitment
• ❌ Your card is not touched

Status in your bank: No movements

Accepting Helper: Pre-authorization

When you accept a helper (or their offer):

What is a pre-authorization?

It's a temporary hold of money on your card:

1. The bank "freezes" the amount
2. It doesn't leave your account yet
3. Reduces your available credit
4. Lasts up to 7 days (if not captured)

Visual example in your banking app

💳 Your available balance: €1,000
📌 ReciGo hold: -€51.49
──────────────────────────────
💰 Available balance: €948.51
💎 Actual balance: €1,000 (unchanged)

In your bank statement you'll see

Common format:

[PENDING] ReciGo - €51.49

Variations by bank:

• "Pending authorization"
• "Temporary charge"
• "Pre-authorization"
• "Hold"

During the Job: Active Hold

While the helper performs the work:

• ⏳ Money remains held
• 🔒 You can't use that amount for other purchases
• 📱 You can see real-time status in ReciGo
• ⏱️ Typical duration: 1-3 hours

Job phases:

1. Accepted → Pre-authorization created
2. On the way → Hold active
3. Picked up → Hold active
4. Delivered → Hold active
5. Completed → Payment captured ✅

Completing Job: Payment Capture

When the helper marks the job as completed:

Automatic process

1. ReciGo validates proof photos exist
2. Pre-authorization is captured
3. Charge becomes effective
4. Money leaves your account
5. Transferred to helper (price - commission)
6. ReciGo collects its fee

Example of transfers

For a job of €50 + €1.49 service fee = €51.49 total:

Your card:        -€51.49  (effective charge)
   ↓
ReciGo:           €51.49   (receives payment)
   ↓
   ├─→ Helper:    €42.50   (their part: €50 - 15%)
   └─→ ReciGo:    €8.99    (fee + commission)

In your bank statement

Changes from [PENDING] to [POSTED]:

Before:

[PENDING] ReciGo - €51.49

After:

01/31/26  ReciGo - €51.49

Timeline of reflections

• In ReciGo: Immediate (shows as "Paid")
• In your online banking: 1-2 hours
• In monthly statement: Capture date

❌ If You Cancel the Job

Cancellation before accepting helper

• ✅ Cancel for free
• ✅ No pre-authorization (card wasn't touched)
• ✅ You can republish whenever you want

Cancellation after accepting (>2h before)

What happens to the pre-authorization?

1. It's automatically released
2. Money becomes available again
3. You're not charged anything

Release timeline

Last-minute cancellation (<2h before)

According to our Cancellation Policy:

• ⚠️ 50% of the price is captured
• ⚠️ Helper receives compensation
• ⚠️ ReciGo collects commission on the 50%

Example:

Job price: €50
Service fee: €1.49
TOTAL: €51.49

Cancel <2h before:
- You're charged: €25.75 (50%)
- Goes to helper: ~€21
- Goes to ReciGo: ~€4.75

Cancellation due to customer no-show

If the helper arrives and you're not there:

• ⚠️ 100% of the price is captured
• ⚠️ Helper receives full compensation
• ⚠️ Your account may receive a penalty

🔄 Special Cases

Open Dispute

If you (or the helper) open a dispute:

1. Extended hold: Money remains held
2. Investigation: ReciGo reviews the case (3-5 business days)
3. Resolution:
   • In your favor: Full release
   • In helper's favor: Full capture
   • Split: Partial capture (50%)

Failed Payment on Capture

If capture fails (e.g., insufficient funds after):

What happens?

1. First time: Automatic retry in 24h
2. Second time: Retry in 48h
3. Third time: Job marked as unpaid

Consequences

• ⚠️ Helper doesn't receive their money
• ⚠️ Your account is marked as "payment failed"
• ⚠️ You can't post new jobs until resolved
• ⚠️ Possible account suspension

How to resolve

1. Add funds to your account
2. Update your payment method
3. Contact support@recigo.es
4. We'll manually pay the helper

⏱️ Important Timings

Pre-authorization

Capture

Refunds

💡 Frequently Asked Questions

📊 Complete Timeline Example

Job of €50 + €1.49 service fee = €51.49 total

✅ Best Practices

To avoid problems

1. Before accepting helper:

   • ✅ Verify you have sufficient funds
   • ✅ Check your card isn't near expiration
   • ✅ Make sure you can receive SMS (3D Secure)

2. During the job:

   • ✅ Don't block your card
   • ✅ Don't withdraw all your funds
   • ✅ Keep your phone on

3. After completion:

   • ✅ Wait 2-3 days to see final charge
   • ✅ Keep the receipt
   • ✅ Open dispute within 24h if there's a problem

📞 Payment Issues

See a charge you don't recognize?

1. Check in ReciGo:

   • Go to Jobs → History
   • Search for job by date
   • Check the amount

2. Compare dates:

   • Pre-authorization vs capture date
   • They may differ by several days

3. Contact support:

   • Email: pagos@recigo.es
   • Subject: "Unrecognized charge - [date]"
   • Include: statement screenshot, last 4 card digits

Related Articles

• Accepted Payment Methods
• Platform Fees Explained
• Refunds and Disputes
• Cancellation Policy

Last updated: January 31, 2026

Was this article helpful? Yes No