Noticing more than one charge on your statement after dining with inKind? Don't worry — in most cases, you're looking at a temporary authorization hold alongside a single completed payment, not a true duplicate. This article explains what's happening, how to tell the difference, and exactly what to do next.
Start here: pending vs. posted
Before taking any action, it helps to understand what you're actually seeing on your statement.
| Status | What it means |
|---|---|
| Pending | A temporary authorization hold placed by your bank. It may show the merchant name and even appear as "approved," but it has not finalized. If a payment attempt was blocked or declined by our processor, the hold will fall off automatically — no action needed. |
| Posted | A completed, settled charge on your card. Posted charges remain on your statement permanently unless refunded. |
Quick check: Open the inKind app, tap the menu (three lines, upper left), and select History. If you only see one transaction, the second line on your bank statement is almost certainly a pending hold — not a duplicate charge. Pending holds typically drop within 3–7 business days on their own.
Why does this happen? Common scenarios
ZIP code or card verification failed
A failed address or ZIP code check can block a payment attempt while your bank still shows a temporary hold for the amount.
What to do: Wait for the pending hold to drop — usually within 3–7 business days. If it hasn't cleared after 7 days, contact your bank and ask them to release the authorization.
App crash or retry during checkout
If the app encountered a connection issue or crashed mid-checkout, it may have retried — creating multiple pending authorizations even though only one payment completed.
What to do: Check your History tab in the app. If you only see one transaction, the extras are pending holds and will drop automatically.
Reservation deposit + inKind checkout
Some venues place a hold or deposit on your card before your visit, then collect your final bill through inKind when you dine. These are two separate transactions from two different sources.
What to do: If both charges have posted for the same visit, share both receipts with the venue and ask them to refund the reservation deposit. You're also welcome to contact inKind Support — we can confirm the inKind side and help coordinate.
Two separate orders on the same day
Two posted charges may simply reflect two genuine transactions — for example, dining at two different restaurants or making separate purchases on the same day.
What to do: Review your History in the inKind app to confirm the details of each transaction. If one appears to be a true duplicate, send screenshots of both to Support for review.
inKind Cash + separate gratuity charge
This one isn't a duplicate — it's by design. When you pay with inKind, the app covers food, beverages, and taxes. Gratuity and certain fees (service charges, delivery fees) are charged separately to your card on file. Your bank may show these as two distinct line items for the same visit.
What inKind Cash covers: Food, beverages, and taxes.
What is charged separately: Gratuity, service fees, and delivery fees.
If this is what you're seeing, no action is needed — it's working as intended.
Reward or promo credit questions
Rewards and promotional offers cannot be applied to transactions that have already closed.
What to do: Contact Support. In certain situations we may be able to add inKind Reward Cash to your account as a courtesy — our team will let you know what's possible.
Charges made directly by the restaurant
If your statement shows a merchant name — the restaurant or venue itself — without an inKind descriptor, that charge was processed outside of inKind, directly on the venue's own terminal.
Important: inKind can only refund transactions processed through the inKind app. We are not able to reverse charges that a merchant ran directly on their own systems.
What to do:
- Share your receipts and statement screenshots with inKind Support — we can confirm the inKind side and coordinate with the merchant if needed.
If both charges are posted: next steps
- Contact inKind Support with screenshots of your statement and itemized receipts. We'll verify whether the duplicate was processed through inKind or directly by the restaurant.
- If inKind processed the duplicate, we'll refund the second charge and send you a refund receipt by email. If the duplicate affected your inKind Cash balance, we'll restore the appropriate amount.
- If the restaurant charged you directly in addition to your inKind payment, the venue will need to issue their own refund. We will coordinate with them on your behalf if you share your receipt or proof of payment.
What to include when you contact Support
- Screenshots of your card or bank statement showing both charges — include amounts, dates, merchant descriptors, and whether each is posted or pending
- Restaurant name, location, and date/time of your visit
- The last 4 digits of the card that was charged
The more detail you share upfront, the faster we can resolve it — for both inKind and your bank.
Refund timelines
| Refund type | Typical timeline |
|---|---|
| Refund from inKind | 3–7 business days (varies by bank and processor) |
| Pending hold dropping off | 3–7 business days automatically; contact your bank after 7 days if it hasn't cleared |
How to view your transaction history in the app
- Open the inKind app and tap the menu icon (three lines) in the upper left.
- Select History to see all your inKind transactions.
- Tap any transaction to view a detailed breakdown — items, tax, tip, total, and payment method.
When sharing with Support or your bank, take screenshots of both the detailed transaction view and your card statement, making sure amounts, dates, and merchant descriptors are clearly visible.
How inKind protects your card
Your card data is secure. inKind does not store credit card numbers. All payments are processed by Stripe, a leading PCI-compliant payment processor trusted by millions of businesses worldwide. We use industry-standard verification — including ZIP code checks — to help protect against fraud and unauthorized use.
If you notice suspicious activity on your account, contact inKind Support and your card issuer right away.
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