What is a pending charge?
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, when a travel merchant is putting an authorization hold (like a security deposit) on your card, or for a variety of other reasons.
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.
Can Ramp block or remove a pending charge?
Unfortunately not. 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.