Turo accepts most credit cards issued by major financial institutions (including American Express and Discover cards). We also accept debit cards with a Visa or Mastercard logo that are linked to a checking account. We accept Apple Pay and Google Pay on mobile devices in the US, Google Pay on mobile devices in Canada, and SOFORT for trips in Germany.
We do not accept cash, checks, prepaid cards, reloadable debit cards (like Simple, Chase Liquid, or EDD debit cards), temporary bank cards, or cards that are not linked to a bank account. The payment method you add to your account must be in your name.
We advise using a credit card rather than a debit card, Apple Pay, or Google Pay. That’s because your bank will typically process any refund or a release of an authorization on a credit card much faster than the other payment methods.
If you’re booking a car in a country other than your home country, notify your payment card provider about the impending charge from Turo to prevent them from declining the charge or blocking your access to your card while they verify the transaction.
When is my card charged?
When you make a trip request, your payment card is authorized but not charged. When a host formally accepts your trip request, your trip is considered “booked,” and you’re charged for the full trip cost, including any security deposits. However, if you’re paying for your trip with Apple Pay, Google Pay, or SOFORT, you’ll be charged when you submit a trip request.
In the event that you incur incidental costs or fees such as additional mileage charges, parking tickets, cleaning fees and the like, we’ll notify you and charge your card for these costs after the trip ends. Please be sure that your card has adequate funds available to cover any post-trip charges.
Payment authorization is a hold of funds on your account; it’s not an actual charge. We make payment authorizations to your card whenever you submit a trip request. If the request is accepted and the trip booked, the authorization will become a charge. If the trip is declined or you withdraw the request, the authorization will be released, and you will not be charged.
The specifics of how this authorization is processed depends on whether you used a debit or credit card and the issuing bank’s policies.
For credit cards:
An authorization generally won’t show on your statement, though sometimes it will show as a pending charge. When the trip is booked, the authorization will convert to a charge on your account. If the trip isn’t booked, the authorization will be released. Funds will typically be released to your credit account within one business day, but it may take longer depending on your bank and the duration period of the authorization.
For debit cards:
Authorization is generally treated as a withdrawal. The funds will be unavailable during the hold period. If the trip is not booked, the authorization will be released. It may take several days for the funds to reappear and be accessible in your account, depending on your bank’s policies.
Paying reimbursement requests
Hosts can request reimbursement for cost related to fuel, distance overages, cleaning, tickets and tolls via the Reimbursement tool. When they do, the request for reimbursement will appear on your Dashboard, 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 trip.
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.
Disputing reimbursement requests
You have up to 72 hours after receiving a reimbursement request notice to dispute the charge on your Dashboard.
- Click or tap the “Dispute” button on the trip’s Details page. You’ll find it right below the summary of the reimbursement request.
- That’ll notify us of your dispute, and we’ll investigate.
- 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.