A confusing statement makes a payment failure feel worse. Here is what each status usually means.

Authorization hold (pending)

The bank has reserved the amount on your card but hasn’t taken it yet. If the booking fails, the merchant can release the hold, and it often disappears on its own after a few days.

Posted or settled charge

The money has actually moved. If the booking fails, you need a refund, which is a separate transaction.

Reversal

A reversal cancels a payment before it fully posts. It usually shows up faster than a refund.

Refund

A refund sends money back after the charge posted. It often takes longer and may show as a separate credit.

Why this matters

• A pending hold may not need any action
• A posted charge needs a refund request if there is no ticket

How to tell which one you have

1. Open your bank app and find the transaction.
2. Check whether it says pending or posted.
3. Note the merchant name and reference.

Double charges

If you see two entries, one may be a hold and the other the final charge. Wait a few days and check again before assuming you were charged twice.

What to tell support

Share the exact status, date, amount and reference number.

Need help understanding your statement? Call +1-800-984-7414. More on money deducted but booking not confirmed is here.