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.