If you're talking about a credit or debit card transaction.....merchants put in an authorization and it stays as pending until they put through the actual charge....an example is when you swipe your card for a gasoline purchase they put through an authorization request for $1 to make sure the card is valid.. The temporary authorization drops off after a few days...same is true for many restaurants, etc as they don't know what the added tip will be. Checking account pending can be a Hold on a check that was deposited for a few days until the funds are usable by you
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