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A pending transaction is a payment which has been authorised but is still waiting for the merchant's confirmation or reversal. The merchant has 8 days to either claim or cancel the payment. It can take up to 16 days for e-commerce pre-authorisation or deposit payments such as hotel reservations and car rental deposits.

Sometimes your payment can appear as pending even if the merchant declined it. In this case, the funds will be automatically reverted to your available balance after 8 days. You might want to check with the merchant for clarification why they have rejected your payment.