Important Note: DEX functionality is currently disabled for UK customers. Read more about the changes [here].
When you make a purchase with your card, the merchant must settle or reverse the transaction. While the transaction is waiting on the merchant, it is considered to be in a 'pending' state.
Pending transactions can remain this way for up to 7 days. In certain cases this can be extended up to 15.
Declined transactions may appear on your account as pending despite the funds not having been removed from your account.