How long will my card transaction remain pending?

The time it takes for a card transaction to move from pending to settled can vary depending on the merchant. Typically, you should expect your pending card transactions to settle within 9 days. However, certain types of transactions such as car rentals and hotel bookings may take up to 31 days.

Authorisation Transactions:
When you make a purchase using your Kroo card, the merchant may place an authorisation hold on your account. This temporarily reserves the transaction amount but doesn’t immediately transfer the funds. For example, if you use your Kroo card to pay for a meal, the amount will appear as pending until the restaurant finalises the transaction, usually within a few days.

Pre-Authorisation Transactions:

Pre-authorisations are common for transactions where the final amount isn't known upfront, such as hotel stays or car rentals. In these cases, the merchant may place a hold on your Kroo card for an amount larger than the expected total to cover any additional charges. For instance, when you check into a hotel, they might pre-authorise your card for the cost of your stay plus an additional amount for incidentals. This hold may remain pending for several days after you check out, as the final charges are confirmed.

Important:
If a transaction remains pending for more than 9 days, it might be due to the merchant’s policies or the nature of the transaction. Hotel bookings or car rental deposits, for example, can extend beyond the standard 9-day period until the final charges are determined. If you're unsure about a pending transaction, you can check directly with the merchant or contact our Customer Service team.