Yeah, you did it an incorrect way. You've tried to use a first conditional tense, but you forgot about infinitive (to be at this example): if+Present Simple+will+infinitive cheers
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Anonymous"If the merchant does not settle until the hold expires, the said amount WILL AUTOMATICALLY CREDIT BACK TO YOUR ACCOUNT.As I understand it, your mistake was with the verb "credit," which I know to be a transitive verb.
"...the said amount will automatically be credited to your account."