Pending Transactions: How Many Days Until They Clear?

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What exactly does it mean when a transaction is pending? We know it shouldn’t take too long, but what does it mean for your balance? Let’s take a look at some of the common questions regarding pending transactions and the credit/debit card pending transaction period for some of the major banks and payment processors (PayPal, Chase, Wells Fargo, Citi, etc).

Pending transactions usually take 3 to 5 business days to clear, depending on the merchant and the bank. The debit card pending period is sometimes shorter than the credit card, ending once the transaction is completed, canceled, or because the hold expires.

The transaction can be completed once the merchant requests payment. Merchants typically do this in batches at the end of the day, and until that time, the amount is put on hold, reducing the balance of your available funds.

This period is called an “authorization hold”. The actual balance will not be reduced until the merchant submits the batch of transactions and the banking system transfers the funds.

holding a card for transaction payment

Are Pending Transactions Included in Available Balance?

Pending transactions that haven’t been cleared aren’t typically included in the available balance. The available balance represents the funds available for immediate use, and only after the transaction is settled will the money be included in your available balance.

Pending transactions are, however, included in the “current balance”. The current (present) balance is typically different from the available balance and includes your available balance and any transactions that haven’t been cleared, such as pending transactions.

You can use your other available balance while any transactions are pending, but not the funds that are pending in a transaction.

Why Do Pending Transactions Take So Long?

Pending transactions take a few days because of the authorizations and the ACH system that most banks use. If you’re charged on the card, your issuing bank only earmarks funds in your account, and you’re given authorization as a courtesy to show you how much you owe in a transaction. However, the transaction isn’t yet fully completed. 

Only after the merchant requests the money, submits the batch of transactions, and the banking system transfers the funds is the transaction fully completed.

Remember, merchants might have varying billing cycles, and some might batch-process their transactions weekly rather than daily. Therefore, it’s useful to familiarize yourself with the billing patterns of regular vendors or merchants you frequently transact with.

How Long Does a Pending Transaction Take To Expire?

A pending transaction refers to a financial transaction that has been initiated but has not yet been completed or processed. The time it takes for a pending transaction to expire can vary depending on the type of card used.

For debit cards, the length of time a transaction remains pending is usually between 7 to 8 days. However, this can vary depending on the bank and the specific policies they have in place. During this time, the transaction amount is held and not available for use, although it will still appear in the account balance. Once the hold period has expired, the money is made available again, and the transaction is no longer pending.

For credit cards, the length of time a pending transaction remains unresolved is typically around 30 days. After this time, the transaction will either be approved and processed or declined, and the hold will be lifted. This length of time is typically longer than for debit cards because credit card transactions require more complex processing and validation.

business man paying with a card transaction

How Long Do Pending Transactions Take On PayPal?

Pending transactions on PayPal typically last for a few days to a week, up to 21 days, whether you’re a business selling products or a consumer buying. Businesses can reduce this time to just one day by printing a USPS/UPS shipping label or adding tracking information, while buyers can simply call PayPal to reduce the timeline.

There are several reasons why PayPal might hold funds of a business:

  • You’re a first-time seller
  • You haven’t sold in a while
  • Multiple customers asked for a refund, dispute, or chargeback
  • Your selling activity is unusual or has changed
  • You’re selling higher risk items

You can cancel the payment on PayPal, but only if a payment is sent to an unregistered or unconfirmed email address or a mobile number. Pending payment is automatically canceled if the recipient doesn’t claim or accept it within 30 days. If you paid with a credit/debit card, the money will be refunded to your card in 2 to 5, and up to 30 days.

Engaging in clear communication with your buyers, providing accurate descriptions of items, and maintaining a good seller rating can significantly reduce the chances of a prolonged hold on your funds in platforms like PayPal.

How Long Do Pending Transactions Take On Payoneer?

Pending transactions on Payoneer usually take up to 2-3 business days. You can expedite the process by submitting any documents still pending in the Verification Center. If you did so, it should take up to 4 business days for the payment to go through.

Payoneer is fast, and transactions aren’t usually pending for long. If you still don’t have an account, then get started with Payoneer and get a $25 bonus from this link.

How Long Do Pending Transactions Take on Wells Fargo?

Wells Fargo pending transactions usually take 2 to 3 days to clear and up to 7 business days. They will credit your account on the next business day if you deposit after the cut-off time or on a non-business day. You may be charged a fee if your pending items put you into overdraft.

Common reasons for placing a hold for a deposit on Fells Fargo:

  • New customer
  • Accounts with frequent overdrafts
  • The deposit exceeds the total available balance

How Long Do Pending Transactions Take on Chase?

Pending transactions on Chase usually take one business day to post and up to a few business days, but only if transactions were done before the cutoff time. There may also be extended holds for new Chase customers, where you may be waiting longer for your funds to be available, up to 7 days.

Every day for Chase is a business day except Saturdays, Sundays, and business holidays. The cutoff time for deposits and transfers at most ATMs is 11 pm ET (8 pm PT). For more information, check the Funds Availability Policy in the Chase Deposit Account Agreement.

Using services like mobile check deposit can speed up your transaction processing time. Many banks offer quicker processing for digital transactions compared to traditional methods.

Wire transfers, electronic direct deposits, and cash deposits are usually available on the day the deposits are received.

Common types of debit transactions that may appear as pending are:

  • ATM and Chase Banker Withdrawals, Transfers, and Payments
  • Automatic Payments
  • or Chase Mobile Online Transactions
  • Checks Drawn on Your Account
  • Debit Card Transactions
  • Wire Transfers

How Long Do Pending Transactions Take on Capital One?

Capital One payments typically post the same day they are received if the transactions were done before the cut-off time, which is 9 pm ET. If they were done after the cutoff time, they would post the next day and up to a few days at most.

All Internal Transfer instructions received before 11:59 pm ET will be posted to your account the same Business Day.

Pending transfer instructions can be canceled or modified until the status changes to “In process”. They can’t be canceled or modified after the cut-off time for the transfer date.

The funds may not be available until the third Business Day after the “Deliver By” date for transfers into a Capital One Bank retail account.

How Long Do Pending Transactions Take on Amex?

Pending transactions on Amex (American Express) usually take 48 hours to settle, depending on the merchant, and up to 4 days. If the transactions cannot be completed for some reason, they will fall off after about a week.

According to Amex, pending transactions cannot be disputed until the transactions are completed. Only after the transaction has been posted can you dispute the transaction. If you didn’t authorize the transaction you should call the number on your card to report an unauthorized transaction. Look into virtual debit/credit cards for more security and control.

Virtual cards can offer not only an added layer of protection against fraud but can also assist in organizing subscriptions or recurring payments, ensuring you’re aware of where your money is going every month.

How Long Do Pending Transactions Take on Cash App?

Pending transactions don’t often happen on Cash App, as payments are usually available instantly. Most direct deposits should be available to you immediately, but in some cases pending transactions may take 2 to 5 business days to clear.

If payment is showing as pending on Cash App, then it usually means that you need to take action. Sometimes, you’ll be presented with the steps in your activity feed that you need to take, while other times, you may need to contact Cash App support.

How Long Do Pending Transactions Take on US Bank?

Deposits on your account will typically be pending for about one to two business days but usually no more than three business days. Pending transactions (pending card authorizations) aren’t available for use on your available balance but will show in your total account balance.

How Long Do Pending Transactions Take On Coinbase?

Purchase or deposit transactions on Coinbase through debit cards in the US (or using USD wallet) take about 3 to 5 business days, as they are done using the ACH bank transfer system. Transactions with EUR Wallet using SEPA transfers can take up to 2 to 3 days. For Canadian and Australian customers, crypto purchases made using debit cards are done instantly.

For transactions from/to Coinbase wallet, most incoming transactions will show up in your account instantly, but may also show as “Pending” until there have been enough network confirmations. The number of confirmations needed is based on the digital currency.

For credit cards, your bank may charge additional fees for Coinbase credit card purchases. In this case, Coinbase encourages affected customers to switch to a debit card.

How Long Do Pending Transactions Take On TD Bank?

Credit card pending transactions on TD Bank take 3 to 5 days to post

There are times when your transactions may show both “pending” and “posted” simultaneously. You shouldn’t worry about this, as it can happen, but you’ll only be charged once.

How Long Do Pending Transactions Take on Amazon?

All Amazon orders are pending for 30 minutes after they’re placed as a grace period for buyers to change their minds. Orders are listed as “pending” if Amazon verifies the buyer’s payment method. In some cases, Amazon may delay the payment verification process for as long as 21 days.

Pending orders on Amazon might indicate an issue with the payment method. Here are the possible reasons for orders being in a Pending status. Amazon suggests not shipping an order with a pending status, even if the buyer contacts you directly.

Your quantity in the inventory will be subtracted from the quantity available for the listing.

How Long Do Pending Transactions Take On Citi?

Citi transactions are typically pending no longer than 2 to 3 business days. If Citi bank decides to hold the funds for longer, you will be provided a notice that lets you know when your funds will be available

Every day is a business day except Saturdays, Sundays, and federal holidays. If you deposit before the cutoff time on a business day they are open, they will consider that day to be the day of the deposit. Usually, the cutoff time for Citi is usually about 10:30 pm ET (9:30 pm CT, 7:30 pm PT).

How Long Do Pending Transactions Take on Apple Card?

Pending transactions on Apple Card usually take 2 to 4 days before they post, depending on the merchant. For the card to post, the merchant must submit an invoice for payment to the card issuer. This is generally done at the end of a business day or a few days later.

How Long Do Pending Transactions Take on Roblox?

Pending transactions in Roblox typically take anywhere from 24 hours to 7 days to process, depending on the payment method used. For example, if you use a credit or debit card, the transaction may be processed within 24 hours, while a bank transfer can take up to 7 days.

However, the exact time frame for pending transactions in Roblox can vary depending on several factors, such as the payment processor, the country or region, and the bank.

For those looking to make transactions on platforms like Roblox, it’s beneficial to keep a small buffer in your linked accounts, ensuring your in-game transactions process smoothly without any payment denials.


Does Pending Mean It Went Through?

Pending the transaction doesn’t mean it completely went through, just that the charge was made. During the pending period, the money is on hold by the bank for the merchant, and until the merchant requests, the money related to the transaction cannot be settled. Once it’s settled, you’ll be able to use the funds.

Are Pending Transactions Already Deducted From Account?

Pending transactions are a way for banks to say that the amount pending is reserved for the merchant. It hasn’t left your account yet, but no one can touch these funds, not even you. This means that the funds are deducted from the funds you can use but haven’t left the account yet.

Can a Pending Transaction Be Cancelled?

Pending transactions CAN be canceled, but you’ll need to contact the merchant or the bank to request canceling the transaction. Depending on the financial institution and the merchant, it should take no longer than one or two business days for a pending transaction to be canceled, if it can be.

How long may a transaction on a bank account stay pending?

A pending transaction on a bank account can last anywhere from a few days to a couple of weeks, depending on the financial institution. It is best to check with the bank for specific time frames for pending transactions.

Can I cancel a pending transaction?

Whether or not a pending transaction can be canceled depends on various factors, such as the payment method used and the stage of the transaction process. In general, if the transaction is still in the pending stage, it may be possible to cancel it, but if it has already been processed, it may not be possible.

Do pending transactions already take money?

Pending transactions do not take the money from the account immediately. Still, the transaction amount is held and not available for use until the transaction is approved or declined. The money will still appear in the account balance during the pending period.

  • Alex Mitch

    Hi, I'm the founder of! Having been in finance and tech for 10+ years, I was surprised at how hard it can be to find answers to common questions in finance, tech and business in general. Because of this, I decided to create this website to help others!