What are 'Pending' transactions? 

Pending transactions are 'holds' placed on funds in your account until a payment can be fully processed by the merchant. This allows you to make a purchase straight away even though your funds may take a bit longer to be withdrawn. 💸

How long will my transactions stay pending? 

Time frames can vary and it's up to the merchant you have made a purchase from to clear/settle your payment before it can be changed from 'pending' to settled'. Xinja does not control this and it can take up to 10 business days for a pending transaction to settle. 📆

Funds on "Hold" or "Pre-Authorisations" 

Funds on hold work similar to pending transactions. They are common amongst hotels, rental car agencies and other business that require an amount as security when using a service. Funds on hold will appear on your card as a pending transaction, they will remain there until the merchant releases the funds at which point the transaction will disappear from your transaction list. On-hold transactions that are not manually released by the merchant will automatically be released after 10 business days

But I have questions! 

Not a problem! 👍

Jump on the in-app chat (top right-hand corner, this is easiest!) or give us a buzz on 1800 946 527 (or +61 2 8598 8525 if you're overseas) and we can help you out! 📞