Pending payments
When you make a payment, it happens in two parts:
We set the money aside in your account as a 'pending transaction' so you can’t spend it
The merchant (the person or company you’re paying) collects the money a couple of days later
If the merchant doesn’t collect the money, we’ll refund you. This usually happens after 8 days, but can sometimes take up to 30 days depending on how the merchant has their payment system set up.
If you need this money earlier, you can let us know and we can look into raising a dispute for you.
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