This article explains what “Processing” means, how long it can last, and when (or if) you need to take action.
What does “Processing” mean?
When a card payment shows as Processing, it means:
The payment has been authorised
The merchant has not yet completed the final settlement
The transaction is still being confirmed in the background
At this stage, the payment is neither failed nor completed yet.
How long can a card payment stay in Processing?
In some cases, card payments can stay in Processing for a few days before updating.
This often happens when:
The merchant finalises the payment later (for example, hotels, transport, or online merchants)
The transaction is completed in batches rather than instantly
The merchant delays capture or settlement
Once the merchant completes the process, the status will automatically update to Successful.
Is this a bug?
No - a Processing status is expected behaviour for some card payments and is not a bug.
The final status will update automatically without you needing to do anything.
Do I need to contact support?
In most cases, no action is needed.
We recommend contacting support only if:
The payment stays in Processing for an unusually long time (for example, more than several days)
The merchant confirms the payment was fully completed, but the status hasn’t updated
You notice duplicate charges or an incorrect amount
Otherwise, the payment should resolve on its own.
Will the money be taken?
While the payment is Processing, the amount may appear deducted or pending
If the payment completes, it will show as Successful
If the payment is reversed or cancelled by the merchant, the funds will return to your balance automatically
Summary
Processing is a normal card payment status
It means the payment is still being finalised
Some transactions take longer to settle than others
Most payments update automatically without any action
If you’re ever unsure, you can always reach out to us via the in-app chat for help.
We’re here to make sure everything is clear and stress-free.