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Pending Transactions

A pending transaction is a transaction that hasn’t fully posted to your account.

Updated yesterday

What to know

  • Pending transactions might not always go through. Many times they will fall off your account once it goes to settle.

  • You can’t dispute them until they clear

  • You can’t close your account while any transactions are pending

How long does it take?

Most pending transactions clear within 2–5 business days.

You’ll get an email once the payment posts or becomes available in your account.

How to check pending transactions

  1. Open the Atlas app and go to the Card or Money tab

  2. Scroll to the Recent Transactions section

  3. Tap View All Transactions to see your full history

FAQs

Q: Can I cancel a pending transaction?

A: No—pending charges can’t be canceled. You’ll need to wait for them to clear.

Q: What if a charge is still pending after 5 business days?

A: Contact the merchant to confirm if it went through, or reach out to Support for help.

Q: Why is my balance lower if the payment isn’t finished?

A: Pending charges still reduce your available balance until they clear or drop off.

Please note: If you are looking to close your account, all transactions need to be fully processed before you can close your account.

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