What is a pending transaction, and how long can it stay pending?
A pending transaction is a recent card transaction that has not yet been fully processed by the merchant.
If the merchant doesn’t take the funds from your account, in most cases it will drop back into the account after 7 days.
Can a pending transaction be declined?
If not, such as if you enter an incorrect address, then the transaction is declined. In either case, your bank or credit card issuer still only has the pending charge on your account. Once they receive that information, those pending charges will be removed from your account.
How long does it take for a transaction to post?
While the authorized amount typically takes three to five business days to post to your account, the timing really depends on the merchant where you made a purchase. Please note, merchants have up to 180 days to post pending transactions; however, it is unusual for an item to exceed five business days.
What happens if a pending transaction expired?
Usually transactions post before the pending transaction expires. If this is the case, it’s important to remember your available balance no longer reflects the pending transaction and will be reduced again when the transaction posts to your account.
How long can a debit card transaction be pending?
Opting to purchase something with a debit card results in the transaction showing up temporarily as “pending” on your account. The amount of time it takes for a debit transaction clears varies, but usually isn’t more than a few days. Merchants usually request payment within one to three days after you use a debit card.