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Delayed (offline) card payments

If you see a delayed transaction in-app

  • Check previous transactions: review your transaction history to see if you previously made a payment to the same merchant. Sometimes, a merchant will retry a transaction that didn't work at a later time. If it's successful, you'll see both a reverted transaction and the successful transaction in-app
  • Watch for duplicate charges: offline payments can sometimes cause duplicate transactions, and merchants may mistakenly charge you twice for a single transaction. To report unrecognized or incorrect charges, tap the payment in your transaction history and select 'Get help'

If a delayed transaction causes your balance to go negative

Most likely, the negative balance is caused by the original transaction being in a pending state. The pending payment should be sent back to your account within a few hours or days and your balance should adjust.

You can check when the transaction is due to be sent back by tapping the transaction in your transaction history and checking its status.

If you do identify an unauthorized transaction in your account, contact us via the in-app chat. A review of your case will be completed, and you'll receive a response within 10 business days.