There are a few reasons why your transaction will appear as pending:
Waiting for approval from the merchant
Transactions you approve also have to be approved by the merchant. This may take up to 8 days. Some transactions, such as hotel reservations and car rentals might take up to 30 days to be approved. This is expected so please don’t worry if this is the case.
Transaction has been declined
Declined transactions can show up as pending on your account. Please allow up to 8 days for the money to return to your account.
Unauthorised payment
If the transaction is something you’ve not authorised or do not recognise, take a look and follow the steps outlined in our article on unrecognised transactions.