What's a pending transaction?

When you make a payment, the merchant will always process the transaction in two steps:

  • - First, they will make an authorization on your card.
  • - Keep in mind that this nominal payment is not a debit. Merchants use it to check whether your card is valid and sufficiently loaded with funds.
  • - A new payment line should appear under the ["Payments"] tab in Spendesk, as a “pending transaction”.
  • - The merchant will then decide to debit your card, or cancel the payment.
  • - If the card is debited correctly, the payment line will appear under your payments of the month.
  • - Otherwise, the payment is cancelled by the merchant and the related payment line will stay in the “Pending Transactions” section temporarily. The authorization is left to expire.
  • - Keep in mind that it can take up to 18 days to for a transaction to expire.

☝️ When it comes to deposits, merchant take a card imprint. In Spendesk, you will notice a new “pending transaction” line on your account. Once the service has been paid for, the funds will be released and the related "pending transaction" will expire.

🚨 Once a merchant has taken a card imprint or debited your card, Spendesk isn't able to cancel the transaction: it's being processed by the supplier and they're the only ones able to cancel it. We advise you to contact the merchant if needed. Feel free to reach out to our support team if you require any additional detail about any specific transaction.

🚨 Spendesk works exactly the same as a bank account. We display the following transactions:

  • - Transactions being processed or refused by the merchant show up under the "Pending Transactions" section of your ["Payments"] tab.
  • - Transactions that were charged by the merchant show up under the "Payments of the month" section of your ["Payments"] tab
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