What's a pending transaction?

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

  • He will first make an authorization on your card (it's not a debit) to check whether your card is valid and sufficiently loaded with funds. The payment line appears within the “pending transaction” section of your “payments” tab.
  • Then the merchant will decide to debit your card or to cancel the payment.

> If the card is debited, the payment line will appear within your payments of the month.

>Otherwise, the payment was cancelled by the merchant and the related payment line will stay in the “Pending Transactions” section. The merchant will let the authorization expire (it can take up to 18 days). 

☝️ When it comes to deposit, the merchant does a card imprint which is followed by the display of a “pending transaction” line on your Spendesk account. Once the service has been provided, the funds will be released and the related line will expire (it can take up to 18 days).

🚨 Once a merchant has done a card imprint or debit your card, Spendesk isn't able to cancel the transaction as it's being processed by the supplier who's the only one able to do it. We advise contact him if you need to. Don't hesitate to reach out to our support team that can provide you with the information linked to the card used for the transaction.

🚨 Spendesk works exactly the same as a bank account. It displays the following transactions:

  • Those that are being processed or refused by the merchant in the "Pending Transactions" section of your "Payments" tab
  • Those that were charged by the merchant in the "Payments of the month" section of your payments tab

Strange payments with credit card

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