7/28/2023 0 Comments Pending transaction already paidIf you think your credit card is being used fraudulently: contact the business to query the transaction.Ĭontact us if the transaction is still a mystery to you, you have a lot of pending transactions, or if you have any questions and you’d like some help.an address) to find out more about the business do an internet search of the merchant/retailer’s name or any other transaction details that you see (e.g.ask your other cardholder (if you have one) if they recognise the transaction.If you see a transaction or details of a transaction you don’t recognise (pending or processed), you should, in the first instance: If this isn’t the case, you should contact the merchant to query the transactions. Only one of the transactions should be fully processed. You might see two pending amounts, or a pending amount and an actual amount, which might look like the merchant/retailer has charged you twice. They’ll be included in exports once they have been processed. Pending transactions are excluded when exporting transactions (within Internet Banking) because details may change. Only processed transactions show on your statements. You won’t see pending transactions on your printed or online (PDF) statements. In the case of hotels and rental car companies, the final amount of the transaction may not be known until the end of the stay/rental period.Currency conversion fees (if applicable) will only be charged when the transaction is fully processed. This is due to exchange rate fluctuations between when the transaction was made and when it finishes processing. If a transaction has been made in a foreign currency, the processed transaction amount might be different to the pending transaction.you might see an address rather than a merchant/retailer’s name. Sometimes the merchant/retailers exact details aren’t used for both the pending and the processed transaction, e.g.When a transaction is fully processed it might, in some cases, have different details to those that were on the pending transaction. Things you should know about pending transactions Sometimes you’ll see both the $1 and final transaction amount, if the final transaction amount is processed before the $1 hold has cleared.If not, it will generally clear off within 2-3 business days. Sometimes this amount will clear off your credit card or Flexi Debit Visa account immediately. For self service fuel transactions the hold is normally for a set amount, often $150 or $200.This $1 won’t be processed and will clear off your account within 2-3 business days. Some merchants/retailer’s will check your credit or Flexi Debit Visa card details by placing a hold on a small amount on your credit card, usually $1.Verifying your debit or credit card details It will generally clear off your account within 2-3 business days. The hold will impact your available balance and available credit.If it doesn’t, contact the business/company/retailer. The hold amount will drop off once the final transaction is processed, or within 2-3 business days.Only one of these will be processed, the other won’t be charged to your credit card or Flexi Debit Visa account. Sometimes you’ll see the ‘hold’ amount and the final transaction amount.This process is common practice with hotels, rental car companies, and transactions made at self-service/unattended fuel pumps. before you receive the goods or services). Refers to a hold for an estimated amount on your credit card or Flexi Debit Visa account, if the amount of the final transaction is unknown, or the transaction has not yet been fully processed (i.e.Holds (sometimes called ‘pre-authorisations’). The pending transaction will impact your available balance, and the final transaction will usually be fully processed within 2-3 business days. something you bought online in the last day or two.
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