Pending card transaction
If you've sent money to yourself or someone else, your Faster Payment can show as pending while we run some security checks. This means it might take a little longer to reach its destination, sometimes up to two hours. If there are any issues with your payment, we'll let you know.
If your card transaction is pending, there's more information here:
Why is my transaction pending?
When you pay with your card, the merchant asks us to authorise the amount. When this happens, the transaction shows up on your Activity list. The transaction shows as 'Pending' in the transaction details and we deduct the money from your balance in the app.
How long will my transaction be pending?
Merchants generally take up to 7 days to tell us a transaction is complete. Sometimes it can take up to 30 days to complete, for example hotels or car hire. Then the money will either go to the merchant or be returned to your account.
My transaction didn't go through but my payment is still pending
Sometimes, when a merchant cancels a transaction or your transaction fails, we don't get sent a 'reversal'. Reversals help us know the transaction failed and let us put the money back into your account.
When we don't get a reversal, our systems will wait for the merchant to let us know what's happening. This usually happens within 7 days for most purchases but could up to take 30 days if it's something like car hire. After that, we'll void the transaction and put the money back in your account.
Why do I have multiple transactions for the same thing?
When a merchant cancels a transaction or your transaction fails, they'll send us a 'reversal' to let us know. Sometimes we don't get sent a 'reversal' straight away, which means you might see multiple instances of the same transaction. Once we get the reversal, we'll remove the failed transaction from your Activity list.
When we don't get a reversal, our systems will wait for the merchant to let us know what's happening. This usually happens within 7 days for most purchases but could up to take 30 days if it's something like car hire. After that, we'll void the transaction.
If you're waiting for a payment from someone, there's more information here:
How soon will I get my money?
The Faster Payments Service (FPS) allows for individual transfers up to a maximum of £1 million. There is a daily limit to how much you can move from your Chase accounts to another UK bank account. This is £25,000 but you can find details in the Spending limits section of the Chase app (under Profile).
Most payments are available almost immediately, although they can sometimes take up to two hours. If you still haven't received your money after that, please contact the bank or person/company who sent you the money, as it may be a problem on their end.
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