What are pending card transactions?

What is a pending transaction?

When you use your card to buy goods or services, an online check is done to make sure your card is valid and that you have enough money to pay.

We authorise your transaction and it will show as ‘pending’ on your account until the payment has been fully processed.

While a transaction is pending, the amount is deducted from your available balance, not your account balance.

For more information on these balance types, see this article: Your wallet balances

How long will a transaction remain pending?

Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days or longer.

Can I stop or cancel a card transaction while it’s pending?

We’re unable to stop or cancel a pending transaction until it has been fully processed, even if the card is frozen or cancelled.

Don’t recognise a transaction? You need to wait until the transaction is no longer pending and has fully processed if you wish to dispute it.

For more information on raising a dispute: see this article: How do I dispute a card transaction?

Pending and complete transactions

Sometimes, the amount that is successfully debited from your card may be different to the amount that was authorised in the pending transaction.

Example 1: You order 4 items costing $25 each and the merchant asks us to authorise a $100 payment. This appears as a pending transaction. One of the items is ready for delivery before the other three, so the merchant completes that $25 transaction. You’ll see $25 successfully debited from your card, while $75 stays as pending.

Example 2: You pay for a hotel before your stay and the hotel asks us to authorise a $200 payment. This appears as a pending transaction. You consume $20 worth of food & drink from the mini bar inside the room. At the end of your stay, you’ll see $220 debited from your card balance despite authorising only $200 to begin with.