什么是预授权或 预付卡也称为礼品卡？它们如何工作？

pre-authorization or prepaid card also known as gift cards are types of payment methods that allow customers to make purchases without having the full balance available immediately. They work by charging the customers credit card for the total amount of their purchase before they check out. The charge will then be removed from the customers account once the goods have been shipped.

预授权是购买者在未使用之前向商家支付一定金额的货币。这些钱可以在以后任何时候用于购物，但必须先被扣除。这种方法允许消费者为未来支出进行储蓄并减少现金交易的风险和不便之处。例如：如果一个人拥有一张50美元的预授权卡片并且想再买一件价值75美元的衣服时，他们可以将其余额减去25元以获得可用于该项工作的剩余资金。

pre-authorization or prepaid card also known as gift cards work by allowing the holder to make purchases up to their available balance without having to provide full payment at the time of purchase.

pre-authorization or prepaid card also known as gift cards work by charging the full amount of the card to your credit account before you use it.

预授权卡片是一种预先充值的支付方式，用于在商店中购买商品。商家可以将资金存入该卡上并使用此金额来销售产品和服务给持卡人，而无需与他们直接结算款项

预授权是信用卡的另一种形式，允许你使用你的账户余额在商店中购物。与普通信用卡不同之处在于，预授权不会立即从您的银行帐户扣除金额；相反，您将获得一个临时交易码（PIN）来支付货款时输入到收银台终端上以完成购买过程。这些卡片可以存储现金和奖励积分等信息并用于在线购物、旅游和其他消费场景中的付款方式之一。

预授权是一种在购买商品之前先支付一定金额的卡片。这种类型的信用卡可以被用于付款，而不必等待你拥有足够的现金来进行交易。他们通常由零售商提供给消费者作为一种奖励方式和促销手段。这些卡可以在任何时候使用，但必须事先充值以获得可用余额。

pre-authorization or prepaid card also known as gift cards work by charging the full value of the card to an account before any purchases are made with it.

pre-authorization（预授权）是指在信用卡账单中，银行先将金额存入商家账户以确认交易。如果交易被取消或者未通过审核，余额将会退回给持卡人并不会产生任何费用。这相当于一个临时的额度冻结和担保措施。而预付费卡是一张有固定面额的钱包式卡片，可以在购买商品时直接使用而不需要额外输入支付信息。2