If you close a credit card can a merchant still charge the account?

No, if you close your credit card, a merchant will not be able to charge the account. When the merchant attempts to get an authorization, it will come back declined.

Now, if a merchant received an authorization before the card account was closed, the authorization will be honored.

A merchant may attempt to force a credit card transaction without an authorization, but the credit card company will not pay it.


http://paymenttransactionsystems.com
http://merchantpos.net