FAQs

Can I cancel or dispute a pending transaction?

What you can do depends on what’s happened.
 

If there’s an issue with the goods or services, for example, you want to cancel a purchase or the service wasn’t provided, you’ll need to contact the merchant directly. Only the merchant can cancel or reverse a pending card transaction while it’s still being processed.
 

If the transaction is something you approved, but you believe you were misled, you’ll need to wait until the transaction has fully processed before you can report it. Pending transactions aren’t final and can still change. This usually takes 3 to 10 days, and in some cases up to 30 days, depending on the merchant.
 

If you don’t recognise the transaction and believe it may be fraudulent, report it to us straight away, even if it’s still pending. We can help you take action to protect your account.