Card payments happen in two steps, which explains most "pending" confusion:
Authorization: the merchant places a hold on the amount. It shows as pending and is deducted from your available balance.
Settlement: the merchant finalises the charge, usually within a few days, and the transaction is completed.
Why is my transaction stuck on pending?
Some merchants take several days to settle. Hotels, car rentals, and fuel stations often place a pre-authorization hold that's larger than the final amount. The difference is released automatically once the real charge settles.
The merchant says they charged me, but I don't see it
Give it a little time, as some transactions take a few minutes to appear in your history. If the merchant confirms a charge but nothing shows on your side after 24 hours, contact us with the merchant name, amount, and date.
A pending charge disappeared
That's normal. If the merchant never settles the charge (for example, a cancelled order), the hold expires and the amount is returned to your available balance automatically.
Anything still unclear? Reach us via in-app chat or [email protected].