Banks will limit business accounts to 2-3 days to dispute a charge.
A lot of money can be spent before you figure it out.
Not when I can see pending charges immediately, and when I have an opportunity to flag a charge as possible fraud.
Many times, frauds try the $1.00 holding charge to see if it gets kicked back immediately and then wait a couple of days to ‘legitimize’ the charge (when the bank’s rule go into effect)....I just head them off at the pass.