Sometimes the merchant/retailers exact details aren’t used for both the pending and the processed transaction, e.g.When a transaction is fully processed it might, in some cases, have different details to those that were on the pending transaction. Things you should know about pending transactions Sometimes you’ll see both the $1 and final transaction amount, if the final transaction amount is processed before the $1 hold has cleared.If not, it will generally clear off within 2-3 business days. Sometimes this amount will clear off your credit card or Flexi Debit Visa account immediately. For self service fuel transactions the hold is normally for a set amount, often $150 or $200.This $1 won’t be processed and will clear off your account within 2-3 business days. Some merchants/retailer’s will check your credit or Flexi Debit Visa card details by placing a hold on a small amount on your credit card, usually $1.Verifying your debit or credit card details It will generally clear off your account within 2-3 business days.The hold will impact your available balance and available credit.If it doesn’t, contact the business/company/retailer. The hold amount will drop off once the final transaction is processed, or within 2-3 business days.Only one of these will be processed, the other won’t be charged to your credit card or Flexi Debit Visa account. Sometimes you’ll see the ‘hold’ amount and the final transaction amount.This process is common practice with hotels, rental car companies, and transactions made at self-service/unattended fuel pumps. before you receive the goods or services). Refers to a hold for an estimated amount on your credit card or Flexi Debit Visa account, if the amount of the final transaction is unknown, or the transaction has not yet been fully processed (i.e.Holds (sometimes called ‘pre-authorisations’). The pending transaction will impact your available balance, and the final transaction will usually be fully processed within 2-3 business days.something you bought online in the last day or two. Pending transactions that have been authorised by the retailer/merchant, but not yet billed to your account, e.g.Transactions that haven’t been fully processed (sometimes called ‘authorisations’). Below are three common types you might come across. There are different types of pending transactions. In the BNZ Mobile app, we’ve shortened this to the symbol (P). When you check your credit card or Flexi Debit Visa transactions in Internet Banking, you might see the word ‘pending’ beside some of your recent transactions.
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