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Why is my card payment pending?

A card payment is completed in two parts:

  • At the time of purchase, we deduct the money from your available balance and hold onto it for the merchant (seller) to collect, creating a “pending” transaction.
  • A few days later, the merchant collects the money and “completes” the payment.

We need to allow some time for merchants to “complete” a card payment. If a merchant does not collect the money within their timeframe (generally 8 to 16 days), we release the money back to your account.

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