Paying for your trip

Payment methods we accept

• Most credit cards issued by major financial institutions (including American Express and Discover cards)
• Debit cards with a Visa or Mastercard logo that are linked to a checking account.
• Apple Pay on mobile devices in all locations and Google Pay on mobile devices in Canada and the US
• SEPA and SOFORT for trips in Germany

Payment methods we don’t accept

• Cash
• Checks
• Prepaid cards
• Reloadable debit cards (like Simple, Chase Liquid, or EDD debit cards)
• Temporary bank cards
• Cards that aren’t linked to a bank account
• Payment methods not in your name

Payment suggestions

• Use a credit card rather than a debit card, Apple Pay, Google Pay, SEPA or SOFORT. Your bank will typically process any refund or a release of an authorization on a credit card much faster than the other payment methods.
• Notify your payment card provider about the impending charge from Turo if you’re booking a car in a country other than your home country. This will prevent them from declining the charge or blocking your access to your card while they verify the transaction.  

Charging timeline

Credit cards

Credit card users are charged a $1 payment authorization when they submit a trip request. If the host accepts the request, we refund the $1 and charge your account for the full amount. If the host declines, we refund the $1. Funds are typically released to your account within one business day but may take longer depending on your bank.

Debit cards and SEPA

Debit card users are charged an authorization of the full trip amount when they submit a trip request. If a host accepts the request, the charge is processed. If the host declines, the authorization is released. It may take several days for the funds to reappear and be accessible in your account, depending on your bank’s policies.

Apple Pay and Google Pay

While an Apple Pay or Google Pay account may be backed by either a credit or debit card,  neither Apple nor Google allows for partial authorizations, so these payment types are authorized for the full trip cost when you submit a request. If the host accepts the request, the payment is charged. If the request is declined, we refund the payment. Apple Pay and Google Pay can take up to 30 days to return the funds to your account.  

SOFORT

There’s no authorization process for SOFORT payments. SOFORT users are charged the full cost of the trip when they submit a request. If the host declines the trip, the payment is refunded. Refunds typically take five to 10 business days.

Book Instantly

If you choose a vehicle to “Book Instantly,” you’ll be charged the full amount of the trip at the time you book regardless of what form of payment you use.

Troubleshooting card issues

When you see an online message that your card can’t be verified or that there’s a problem with your card, it typically means one of three things:

1. you’re using a pre-paid card, which we don’t accept
2. your billing address is incorrect
3. your payment method issuer or bank has placed a hold on your card

We process the billing address and card number exactly as you enter it. Your issuing bank then determines whether the card can be verified or not. If it can’t be verified, it usually means something about the address is incorrect. Some banks are very particular about the format, so check your billing statement or call your bank to get the exact address format for your card. If the problem is with your zip code, try any previous addresses or maybe the bank's zip code. Your card issuer or bank may be preventing the transaction for some other reason.

Unfortunately, we have no other way to verify the card since the denial is coming from your bank. The best course of action is to contact your card issuer or bank for further details or use a different payment method.

Paying reimbursement requests

Hosts can request reimbursement for cost related to fuel, distance overages, cleaning, and tickets and tolls via the Reimbursement tool. When they do, the request for reimbursement will appear on your Trips tab, and we’ll also notify you via email. You can pay the host directly via the website or Turo app. If you don’t pay or dispute the request within 72 hours, we’ll charge your payment card on file for the cost. Please be sure that your card has adequate funds available to cover any post-trip charges.

In some cases, hosts may submit a reimbursement request to a Turo support agent. We’ll notify you via email and charge the payment card on file for the trip. If the charge is incorrect, please let us know right away.

Disputing reimbursement requests

You have up to 72 hours after receiving a reimbursement request notice to dispute the charge on your Trips tab.

1. Click or tap the “Dispute” button on the trip’s Details page, located below the summary of the reimbursement request.
2. That’ll notify us of your dispute, and we’ll investigate.
3. If you and your host agree on a different payment amount, your host can withdraw their request.

If you don’t respond to or dispute a reimbursement request within 72 hours, it’ll automatically resolve in the host’s favor, and we’ll charge the payment card on file for the trip.