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A pending transaction occurs when you initiate a purchase, but the merchant has not yet finalized the transaction.

The primary difference between a pending transaction and a posted transaction lies in their status:

• Pending transaction: A temporary hold placed on your account that has not yet been finalized. It reflects the authorization of the charge but not the actual completion.
• Posted transaction: A finalized transaction that has been processed by the merchant and your bank. It officially appears in your account history, and the funds or credit have been permanently adjusted.

Pending transactions can change (i.e. cancellation or alteration in amount), while posted transactions are permanent and reflect the final amount charged.

Not necessarily. A pending transaction means that the merchant has authorized the charge but hasn’t completed it. In some cases, pending transactions may not go through if the merchant cancels the order, fails to finalize the payment, or adjusts the amount. Until the final transaction is posted, it’s possible that the charge could change or even disappear.

Pending transactions don’t officially withdraw money from your account, but they affect your available balance. The funds associated with the pending charge are “reserved,” so they aren’t available for other transactions. Once the transaction is posted, the amount is fully deducted from your account.

Typically, pending transactions take one to three business days to process. This timeframe varies depending on the type of transaction and the merchant’s processing times.

For example, debit card transactions at a retail store may post the next day, while hotel and car rental holds may take a few days to clear — particularly if there’s a delay in finalizing the amount due.