How do pending transactions on my Instant Card work?

Pending transactions are unprocessed point of sale or online transactions.

If you make a purchase with your Instant Card, it will appear as pending and reduce your available balance.

You can view pending transactions under Recent Transactions online or in the Instant app.

Once settled by the merchant, the transaction will appear on your Dashboard as a "spent" transaction. Transaction settlement time varies and can take several days, depending on the retailer.

Certain merchants, such as ride shares, gas stations, hotels, car rentals and restaurants, may place a temporary hold on your card.

Once the transaction is processed, the exact amount you spent will be reflected in the "Recent Transactions" section as a "spent" transaction and the released funds will be added to your available balance.