Pending charges - FAQs

Overview

A pending charge is a charge that has been authorized, but has not yet cleared. This can happen when a merchant is waiting to finalize the charge amount, when a payment is made outside of business hours, or when a travel merchant is putting an authorization hold (like a security deposit) on your funds.

Frequently Asked Questions

1. How long do pending charges take to clear? Most pending charges will take a maximum of 9 days to be finalized, although it will often happen sooner. Pending charges from travel merchants can take up to 30 days to be finalized, especially in the case of a hotel or car rental authorization.
2. Can Ramp block or remove a pending charge? Ramp is not able to block or remove a pending charge. The only way to alter a pending charge is to reach out to the merchant who made the charge, and request that it be cleared or reversed. Card issuers and banks are not able to affect pending charges in any way, although they can work to initiate a dispute/chargeback after the charge has cleared.
3. What do I do when I have a pending hotel charge? Employees do not get notification reminders for transaction missing items if it’s a pending hotel charge/transaction until the charge is cleared. If the funds have an auto-locking policy, there will be an exemption for missing items on pending hotel transactions so that the funds will not lock. Additionally, the pending transaction will not be displayed on the main homepage and will only be displayed in the transaction tab after clicking on the transaction.
4. What do I do when I have a pending gas charge? If the gas hold amount is $100, $151, $250, $300, or $500, you will not get any notification reminders until the charge is cleared. If the funds have an auto-locking policy, there will be an exemption for missing items on pending gas transactions so that the funds will not lock.
5. What do I do when I have a pending car rental charge? Employees will continue to receive notification reminders for transaction missing items on car rentals, and the auto-locking policy will continue to apply.
6. Do pending transactions impact card limits? Yes. Pending transactions count against your card limit.

7. How do they affect card balance? They eat up your remaining balance. For example, if you have a 100k limit and have a hold of 20k, then you only have 80k spending power.