If it’s canceled, your money can be credited immediately, but on many occasions, it takes several days to clear. If you are the one that made the pending payment, the merchant receiving the payment will have to cancel the transaction. Some merchants wait till the end of the day to process transactions. It’s a good idea to contact them as soon as possible because once a transaction is pending, it will lower the available balance in your checking account. The simplest way to cancel a pending card payment is to contact the merchant. If, after examining your charge, you still don’t recognize the transaction or you feel it is a mistake, it’s time to call the merchant. But there is usually an arrow or a “more details” link at the end of the line where you can get additional information. Typically, transactions on your statement will only provide a one-line description of the merchant, the type of transaction (sale, payment, and fee), and the amount. This is an easy way to get the contact details of the company that requested the pending charge. Look for your transaction on your online statement to see the name, phone number, and past transaction with this merchant. Log in to your account (or visit your branch if you don’t have online banking) and check the transaction details. In some cases, you may not recognize a transaction because the merchant uses a different name or processes payment through a third party. Compare Credit Cards Step 1: Check the details of the charge

Chase pending transactions