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Understanding balance validation for specific merchant categories in your Juno account
Understanding balance validation for specific merchant categories in your Juno account
Updated over a week ago

1. Why do I need to maintain a specific balance for certain transactions with Airlines, Car Rental Agencies, Hotels, Motels, and Resorts?

To facilitate seamless transactions with specific merchant categories, Juno mandates users to uphold a minimum balance. This balance validation is a protective measure against overdrafts during pre-authorization transactions, ensuring successful dealings with Airlines, Car Rental Agencies, Hotels, Motels, and Resorts. Juno implements these balance validation checks specifically for certain merchant categories, as these merchants may charge additional amounts during the final payment process.

2. What are the minimum balance requirements for transactions with Airlines and Car Rental Agencies?

For transactions with certain Airlines and Car Rental Agencies, you are required to maintain a minimum balance of $2,000 in your Juno account.

3. What is the minimum balance requirement for transactions with Hotels, Motels, and Resorts?

For transactions with certain Hotels, Motels, and Resorts, you need to maintain a minimum balance of $1,000 in your Juno account.

4. Will the specified amounts be deducted from my account as part of the balance validation?

No, the amounts mentioned for balance validation ($2,000 for Airlines and Car Rental Agencies, and $1,000 for Hotels, Motels, and Resorts) will not be deducted from your Juno account. This is solely a balance validation check to ensure your account is adequately funded for transactions with the specified merchants.

5. When will funds be deducted from my account for these transactions?

The balance validation is done at the time of your card swipe. Only the actual funds charged by the merchants will be deducted from your Juno account once the transactions are processed and settled. The balance validation ensures that your account is prepared for these transactions at a future date without the risk of overdrafts.

6. Can I proceed with transactions if my account balance is below the specified minimum for these merchant categories?

No, transactions attempted with a balance below the specified minimum will get canceled, and it is advised to keep the account adequately funded. To ensure a successful transaction, it is recommended to maintain the minimum balance.

7. Are there any additional merchant categories with specific balance requirements?

No, the specified balance requirements are only applicable to transactions with Airlines, Car Rental Agencies, Hotels, Motels, and Resorts as listed above.

8. How do I know if a transaction falls under the specified merchant categories?

The merchant categories are identified by their Merchant Category Codes (MCCs). Kindly consult Mastercard's webpage for a comprehensive list of merchant category codes. For your reference:

  • Airlines MCCs: 3300, 3303, 3308.

  • Car Rental Agency MCCs: (Refer to the provided list)

  • Lodging: Hotels, Motels, Resorts MCCs: (Refer to the provided list)

Car Rental Agency MCCs:

3351, 3352, 3353, 3354, 3355, 3357, 3359, 3360, 3361, 3362, 3364, 3366, 3368, 3370, 3374, 3376, 3380, 3381, 3385, 3386, 3387, 3388, 3389, 3390, 3391, 3393, 3394, 3395, 3396, 3398, 3400, 3405, 3409, 3412, 3420, 3421, 3423, 3425, 3427, 3428, 3429, 3430, 3431, 3432, 3433, 3434, 3435, 3436, 3438, 3439, 3441 & 3499.

Lodging: Hotels, Motels, Resorts MCCs:

3500, 3501, 3502, 3503, 3504, 3505, 3506, 3507, 3508, 3509, 3510, 3511, 3512, 3513, 3514, 3515, 3516, 3517, 3518, 3519, 3520, 3521, 3522, 3523, 3524, 3525, 3526, 3527, 3528, 3529, 3530, 3531, 3532, 3533, 3534, 3535, 3536, 3537, 3538, 3539, 3540, 3541, 3542, 3543, 3544, 3545, 3546, 3547, 3548, 3549, 3550, 3551, 3552, 3553, 3554, 3555, 3556, 3557, 3558, 3559, 3560, 3561, 3562, 3563, 3564, 3565, 3566, 3567, 3568, 3569, 3570, 3571, 3572, 3573, 3574, 3575, 3576, 3577, 3578, 3579, 3580, 3581, 3582, 3583, 3584, 3585, 3586, 3587, 3588, 3589, 3590, 3591, 3592, 3593, 3594, 3595, 3596, 3597, 3598, 3599, 3600, 3601, 3602, 3603, 3604, 3605, 3606, 3607, 3608, 3609, 3610, 3611, 3612, 3613, 3614, 3615, 3616, 3617, 3618, 3619, 3620, 3621, 3622, 3623, 3624, 3625, 3626, 3627, 3628, 3629, 3630, 3631, 3632, 3633, 3634, 3635, 3636, 3637, 3638, 3639, 3640, 3641, 3642, 3643, 3644, 3645, 3646, 3647, 3648, 3649, 3650, 3651, 3652, 3653, 3654, 3655, 3656, 3657, 3658, 3659, 3660, 3661, 3662, 3663, 3664, 3665, 3666, 3667, 3668, 3669, 3670, 3671, 3672, 3673, 3674, 3675, 3676, 3677, 3678, 3679, 3680, 3681, 3682, 3683, 3684, 3685, 3686, 3687, 3688, 3689, 3690, 3691, 3692, 3693, 3694, 3695, 3696, 3697, 3698, 3699, 3700, 3701, 3702, 3703, 3704, 3705, 3706, 3707, 3708, 3709, 3710, 3711, 3712, 3713, 3714, 3715, 3716, 3717, 3718, 3719, 3720, 3721, 3722, 3723, 3724, 3725, 3726, 3727, 3728, 3729, 3730, 3731, 3732, 3733, 3734, 3735, 3736, 3737, 3738, 3739, 3740, 3741, 3742, 3743, 3744, 3745, 3746, 3747, 3748, 3749, 3750, 3751, 3752 3753, 3754, 3755, 3756, 3757, 3758, 3759, 3760, 3761, 3762, 3763, 3764, 3765, 3766, 3767, 3768, 3769, 3770 3771, 3772, 3773, 3774, 3775, 3776, 3777, 3778, 3779, 3780, 3781, 3782, 3783, 3784, 3785, 3786, 3787, 3788, 3789, 3790, 3791, 3792, 3793, 3794, 3795, 3796, 3797, 3798, 3799, 3800, 3801, 3802, 3803, 3804, 3805, 3806, 3807, 3808, 3809, 3810, 3811, 3812, 3813, 3814, 3815, 3816, 3817, 3818, 3819, 3820, 3821, 3822, 3823, 3824, 3825, 3826, 3827, 3828, 3829, 3830, 3831, 3832, 3833 & 3999.


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