Why is the app saying my transaction is pending?

When you make a payment, it will usually happen in two steps:

1. We first set the money aside in your cash account to ensure it's reserved for that specific transaction. As a result, your available balance is reduced and the transaction will appear as pending.
2. The merchant then confirms the transaction is complete and is ready to receive the money from your cash account. The transaction will then show as completed. This usually happens within a few days after you have made the payment.

If, for any reason, the merchant fails to confirm the transaction, it will expire. In such cases, we release the reserved funds after 8 days, although it may take up to 30 days in certain cases. We can’t release the money earlier unless instructed to do so by the merchant.

Certain merchants may initiate a payment to secure funds in your account as a security deposit. This is a common practice for hotel check-ins for example, to cover potential expenses during your stay. When you check out, the hotel usually informs us so we can release the held funds. However, in case the hotel does not provide this information, we might have to wait for the transaction to expire, which typically takes 30 days. In these cases we are also unable to release the funds earlier.