You may notice a pending transaction shown below your balance.

This article explains what pending transactions mean and how they affect your available balance.

What is a pending transaction

A pending transaction is a payment that has been authorized by the merchant but not yet settled.

• The amount is temporarily reserved
• It is not deducted from your balance yet
• It will be finalized once the merchant completes settlement

Why transactions appear as pending

• The merchant requests authorization to confirm available funds
• The amount is placed on hold
• The transaction waits for settlement or cancellation

Example

• You make a 200 SAR payment at a restaurant
• The transaction appears as pending immediately
• Once settled, the amount is deducted
• If not settled, the amount is released automatically

How to view pending transactions

• Log in to your Nqoodlet account
• Go to the Cards section
• Go to the Transactions tab
• Under Select Type choose Auth to view authorized transactions.

Updated on: 12/02/2026