Transaction pending then disappeared. Other times, it'll show up as pending, then disappear for a few days (absolutely nowhere to be found), then shows up a day later as a posted transaction. But having looked over the weekend the pending amount has disappeared, the bank account balance which is in credit hasn't been updated and any mention of the order is nowhere to be seen on my bank account. More than likely that "transaction" was a pending authorization which would remove the amount from balance available and show on your account. When they process the charge it will post. Do pending charges ever go away? On Sunday, the pending transactions disappeared and the available credit restored back to $500. Citibank still says they don't show the pending transactions were ever on my account and can't explain why I have a printout of the pending transactions or the texts. During the pending period, the funds associated with the transaction may be reserved but are not yet withdrawn from your account. 9/5 (26 votes) Sometimes pending transactions may disappear from your transaction history and the amount is returned to your available balance. My bank recently did a big upgrade and now I have transactions that are showing pending for a few days, then disappearing, then reappearing a few days later. If you see pending transactions on your credit card, you may have questions, like what are they and how long do pending transactions take? Learn more here. I bought a few stuff from saks than amazon a few days ago, the amazon charge is still pending but today I got an email from saks saying my order is being shipped and I’ve been charged 12 bucks to my cc but the entire transaction has disappeared, has something gone wrong with the order? But in some cases, it can take up to 14 days. We then remove the transaction from your list of pending transactions and add the funds back to your available balance. I got an email confirming the refund, and it was more or less immediately visible as “pending,” but as of last night, has dropped off entirely, and no funds have been credited back to my card. What you saw were preauthorization holds, also known as "pending transactions" on your real-time transaction logs. Anyhow, all weekend the "debits" were shown as pending and my available balance was reduced to the appropriate amount. However, that time frame can depend on the payment network, bank or credit card issuer—and the type of transaction. If they say yes, they put a hold on that amount of money in your account until the actual transaction happens. Pending transactions affect your available balance and can remain on your account for up to 5 days. What happens when a pending charge disappears? Debit Card Charge Disappeared Those were, most likely, pending charges. Canceling a pending transaction can be difficult because the payment is already in progress. They refunded me the money via the card I used to purchase the items, it showed up instantly as a pending transaction but a day later it completely disappeared without the money being credited to my account. This means the transaction has expired and at this stage has not been processed by the Yes. Your money shouldn’t feel like it’s stuck in limbo Happened to me too. It is not shown in the pending or completed Understand what pending credit card transactions are, why they occur, how to cancel them and how to protect yourself against fraud. Today, the pending transaction has disappeared from my view and there still is no airfare transaction that I can assign to a report. This means the transaction has expired and at this stage has not been processed by the merchant. The balance and amount available reflected the amount spent, but, to be honest, I can't remember initially if it was pending or if it had been fully claimed. So the charge was showing as pending for 3 days, then the charge disappeared but my available balance was still lower (taking the amount into consideration). When the final purchase is received from the merchant, the transaction moves from pending to posted. 01 pending from the gas station for a couple days, the pending charge will disappear and then the real amount will post later on randomly. The pre-approval expires faster than that though. Understand how long pending transactions take to clear, why delays happen, and how merchants can speed up settlement. Spotted a pending transaction in your bank account? Learn what pending transactions are and how they can impact your balance with NatWest. I chatted with a Cap One rep and she gives me some answer like "don't worry, they will post". Perhaps a merchant has accepted your debit card as payment but the funds haven’t yet transferred from your account to the merchant’s account. I recently purchased a laptop for roughly $3000. Jul 27, 2025 · Why would a pending transaction disappear? It's important to note that the duration of pending transactions can vary, and they typically disappear once the final transaction is settled. For those accounts with pending transactions, you can choose whether or not to use those pending transaction amounts in your account balances (current balance/ending balance). This is the same whether you use a credit card or debit card. Dec 11, 2025 · What does it mean when a transaction disappears? If your pending transaction disappeared and funds were returned, it's either your lucky day, or the merchant was unable to deliver the goods or services agreed upon. Solved: I have an airfare transaction that posted to the Pending Transactions section and hasn't moved to Available expenses to assign to a report. It appeared in pending transactions and then disappeared after a few hours. They are blaming the unrelated merchants. Pending charges disappear and the actual charge will appear I made a Bank of Ireland Visa debit payment over a week ago that was showing up as having not being completed up to now. Sometimes your transaction history will show $0. You can change the different transaction types displayed by selecting the filter option in the upper left such as the ones listed below. Learn more about pending transactions, why they happen and how long they typically last. I had the TV delivered on the Thursday and then on the Friday there was no sign of the charge still and my available balance went back to up 100%. Pending transaction preferences are used to set whether or not to view pending transactions globally for a specific spending account. Why did a pending charge disappear? Sometimes pending transactions may disappear from your transaction history and the amount is returned to your available balance. The pending was a pre-approval of the transaction, not the actual transaction. I have a $100 Home Depot package in my living room and the $100 still sitting in my bank account just waiting to randomly disappear one of these days. I've had no emails or texts or calls from either my bank or Amazon to suggest anything is wrong. If the merchant agrees to cancel the charge, the pending transaction should eventually disappear from your account without posting. Find out what pending transactions are, how long they take to process, and what to do if you don't recognise a transaction. If we receive the payment request at a later date, the actual transaction amount will be deducted from your account at that time. I made a large purchase from eBay last week (16th) with my card and I paid directly rather than Paypal. It is not shown in the pending or completed What you saw were preauthorization holds, also known as "pending transactions" on your real-time transaction logs. This is because they assume that you or the merchant decided to not go through with the order, but the merchant failed to reverse the pre-auth. I've noticed recently that anytime I have a preauth charge it will sit for almost a week in pending and then disappear completely from transaction history for a few days to be replaced by the final total at random times whether business day or not. They can still place a transaction against your card, and the fact that there was a pending charge allowed suggests that it would be unlikely for the bank's fraud filters to block similar transactions in the future, though this varies from bank to bank. I had paid for dinner and after the authorization I added the tip to the charge, only the tip showed up on my statement. Talk to a Swipesum expert today. I checked my credit card statement on the mobile banking app, and I noticed that the pending transaction for $3k is gone. Sometimes, a pending transaction will never post. I only notice them because my credit card app has push notifications. Pending transactions are authorized charges that haven’t been fully processed yet. I had a look at my bank account earlier and now the transaction is after disappearing completely from the recent transactions. If the merchant does not settle the transaction within X amount of days (varies usually between 3-5 days) the authorization drops and the funds are made available to you. I check my main checking account online almost everyday. But in some cases, it can take up to 14 days. I looked through Expedia through my account and it is still listed under my trip, with the itinerary number and everything looks normal. . The transaction/money still hasn't went through my account and its been a few days since the item was delivered. I printed out my transaction history this morning, including the pending transactions, and I still have the text alerts. When the pre-approval expires the pending charge disappeared. Learn how long pending transactions typically take to process. The next day the transaction had disappeared from my pending transactions and the money was back in my account but I then got a dispatch notification from the company for the item and it was subsequently delivered 2 days later. Pending doesn’t really mean pending, it means authorised: the merchant asks your bank if they’d approve this transaction, and the bank says yes or no. I checked back on the wallet app on my phone about a day later and i saw that my credit card balance went down, and the transaction from tickets disappeared. I wish there was a way to see a history of previously pending charges; I've had some pending on my credit card that disappear and never post as real purchases. Pending charges disappear and the actual charge will appear The My Transactions page will load. This morning, less than 24 hours later, the pending transaction has disappeared and Citi has no record of it (I called customer service this morning). I tried to move the pending transaction to my report yesterday, but it doesn't allow it to be used since it's a pending transaction. I made a Bank of Ireland Visa debit payment over a week ago that was showing up as having not being completed up to now. Typically vendors will process their transactions every day, but they can have up to 30 days to process them. My Amazon account is fine as is my bank. The bill was under pending transactions though and then it disappeared. I did a lot of shopping on this past Friday and Saturday w/ my debit card (used it as a Mastercard). Do pending payments go away? Why do pending charges disappear then come back? Asked by: Aubree Blanda | Last update: October 22, 2025 Score: 4. Then as a courtesy, your bank will drop the pending charge after so many days (3-5 business days is common). I went Learn what a pending transaction is, how long a pending transaction lasts and if you can cancel a pending transaction. Jan 29, 2026 · Bank transactions occasionally disappear from account statements, causing confusion for consumers managing their finances. I was worried, but then I got my tracking number and shipment notification this morning. This issue can disrupt budgeting efforts and lead to potential overdrafts or missed payment deadlines. A common example of this scenario is canceled and/or voided transactions. I checked my Citi account, and the refund was a pending transaction. Debit Cards Sep 23, 2025 · A pending transaction on your bank account means that a transaction has been approved but hasn’t been processed. In many cases, the only way to cancel a pending transaction is by contacting the merchant directly. Pending transactions: how long they take, why they stall, and how to speed things up. However u do have my sympathies at how frustrating and inconsistent transactions can be. Understanding the reasons behind disappearing transactions and knowing how to address them is essential. At times, my pending transactions will not show in my account. At the time of the purchase, I saw the charge in the 'pending transactions' section on my mobile banking app, along with the subsequent decrease in available credit. xqbjuv, htxc1, dhfnt, a0bls, aglv, a2u3p, jhvbsj, mespy, c4v7sb, umlwj,