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When Credit Card Verifications is active o turned on for your site, an affected order is placed on hold ('pending') until credit card ownership has been verified. For orders by registered users and customers, once the credit card has been verified, it can be used for subsequent orders without triggering further checks. If a user has multiple orders 'pending' against the same credit card, the system will release all orders upon successful verification. Guest checkouts over the threshold amount will always trigger the verification process regardless of whether the credit card has been used before. 

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