A pending transaction is a purchase which has been authorized but is still waiting for the merchant to accept or reverse it.
The merchant has 7 days in which to do this, however it can sometimes take up to 15 days to complete if it is an e-commerce pre-authorization.
If a purchase does not complete as settled, then the pending charge returns to the cards available balance. While the purchase is pending the funds are excluded from the cards available balance. We are unable to release the funds during this process.