What is a pending transaction?

A pending transaction is a payment which has been authorised but is still awaiting the
merchant's confirmation or reversal. Pre-authorisations appear as a pending transaction and
the amount is deducted from your Account balance. As we are still awaiting the merchant's
confirmation or reversal, when we receive the Settlement the amount will be adjusted.

Contrary to popular belief, this process is not instantaneous, it takes around 48 hours but
can take longer.

In case of cancellation of the payment, the amount won’t be available on your balance until
the merchant either cancels it or the hold expires.

Some restaurants, for example, pre-authorise your card with the total amount for your bill.
If you add a tip, a second charge including the tip may appear on your account.
This will appear in your transaction history as a double charge until the merchant cancels
the pre-authorisation.

As a prepaid card, there are a few occasions where the WeSwap Prepaid Mastercard
behaves slightly differently, and we’d recommend avoiding these where possible, check our
dedicated FAQ for more information.

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