A pending transaction is a payment which has been authorised, but it’s still waiting for the merchant to accept or reverse it. The merchant has 7 days in which to do this, but it can take up to 15 days if it’s an e-commerce pre-authorisation, or a deposit payment such as a hotel booking or car rental. Following this 7-15 day period, the money will be sent back automatically if the merchant hasn’t taken any actions. We’re unable to release the funds before this time.
A declined transaction could also appear as pending. Should this happen, the money should be returned to your available balance after 7 days.