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# Understanding Pending Transactions

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.

|| Some merchants may take up to 14 business days to settle a transaction. Pending transactions are released automatically if settlement does not occur.