Confirming and paying

Nothing is ordered and nothing is charged until you confirm. This page is what that sentence means.

The confirmation

When your order is ready to place, Layout shows a confirmation with the restaurant, every item, and the total you will pay. That total already includes Layout's service fee, so it is the whole amount. Your assistant or app is instructed to show it to you as written rather than summarise it.

Confirming is what authorizes the money. Asking for an order does not, and neither does building one. When you order through an assistant, its confirm on your behalf is your authorization; the Delegated Spending Authority terms are the binding version of that arrangement.

When you are asked for a code

Most orders need only the confirm. Layout texts you a six digit code, and the order waits for it, when:

• the order is over $50,
• a risk check flags the order,
• a code has already been sent for that order, or
• an app built on Layout places the order and you have not yet given that app your standing consent.

The code names the amount and the restaurant, works for that one order at that one amount, and expires in ten minutes. If the total changes after it is sent, it no longer works. A risk check can also refuse an order outright, and then nothing is charged.

An app you connect gets your standing consent only when a text or page from Layout says so in words, and disconnecting the app withdraws it.

What you pay

The restaurant's total plus Layout's service fee, as one charge. The fee and how Layout One waives it are on fees and Layout One.

Account credit

If your account has credit, the confirmation shows how much of this order it covers, and your card is held only for the rest. The credit is taken when you confirm. If another order uses that credit first, the confirm stops rather than charging you more than the total you saw.

The price lock

The total you confirm is the total the order is placed at. If the price has changed since you saw it, the confirm is refused, nothing is charged, and you see the new total before anything is placed.

Your daily limit

Layout will not spend more than your daily limit on your behalf, across every order, assistant and app, in a day. It defaults to $50, and you can set it anywhere from $15 to $150 at account.layout.link.

The limit is checked on our servers, and no assistant or app can read around it or raise it. An order that would go over it is refused, and you are told why.

The largest order Layout will place

$50 at the restaurant, before Layout's fee. An order over that is refused before your bank is asked, and you are told so. Your daily limit applies on top of this.

The hold on your card

When you confirm, Layout authorizes your card for the total you confirmed and nothing more. That is a hold, not a charge, and you may see it as pending.

• The order is placed. The hold becomes the charge, at the total you confirmed.
• The order fails. The hold is released and nothing lands on your statement.
• We cannot tell yet. The hold is left alone and a person checks it, because guessing here is how somebody is charged for food they never got, or told an order failed when it did not.

Who sees your card

Not the restaurant. Layout pays the restaurant with a card of its own, so your number is never typed into a restaurant's checkout. Your number is not on Layout's servers either: card data covers where it lives.

If a charge looks wrong

Start with your receipt, which itemises what the restaurant charged. Then see how and when you're charged, or write to support@layout.link.