Pending Charges

Pending Charges


Why is this transaction marked as pending?

When you make a card purchase with your PIN, the transaction will normally be finalized very quickly. If you make a purchase without a PIN, you'll see a pending charge appear on your account. The transaction may remain pending for a while before it's finalized, though it will be reflected in your available balance and your Safe-to-Spend right away.

The exact timeframe depends on the merchant, since they finalize their transactions in batches. It's common for them to do this once a day, but some merchants batch their transactions less frequently, resulting in the transactions that stay pending longer.

Usually, the pending charge will disappear when the settled charge is processed, but occasionally, it will linger. This happens when the merchant creates a new transaction when they run the batch, rather than finalizing the existing authorization. The pending charge will drop off on its own, usually after a week or so. If a pending charge that you expect to settle disappears, it’ll likely show up again later once the merchant finalizes the transaction. Your balance will go up when the pending charge drops off, and down again when the final transaction goes through.

Can a pending charge be canceled?

Not on our end, but the merchant often can. If the merchant cancels the charge while it’s still pending, they’ll remove it from their list of transactions to finalize. They don’t usually have a way to remove the pending hold, but it should drop off after a few days.

I bought gas (or booked a hotel, rental car, or cruise), but I don't see a pending charge—why?

Some merchants (including some gas stations, car rental companies, hotels, and the like) place a $0 hold when a transaction is authorized. Since it's for $0, you won't see it in your balance or your transaction list until the charge settles and changes to reflect the right amount. We will send you a push notification (if you have them enabled) when the hold is placed, though!

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