While a Pending transaction is on your account (also known as an "authorization hold"), the money won't be available for you to access.

If the transaction was declined or you got a refund but the hold is still there, it means the merchant hasn't processed it yet. Even if the merchant says they have released the funds, their payment system may keep hold of the money for up to 31 days before giving it back to you (though most industries are quicker to release your money).

When you try to buy something, the merchant can place a temporary authorization hold on the purchase amount before completing the transaction. This is to check if you have enough money to cover the purchase. It will either deduct the money from your account or the hold will disappear without deducting any funds.

Still have questions? Feel free to send us a message by clicking the Question Mark icon on any HoneyBook page. Our team is always happy to help!

HoneyBook is a software company, not a bank. Banking services are provided by Lincoln Savings Bank, Member FDIC. HoneyBook Visa Debit cards are issued by Lincoln Savings Bank, Member FDIC. HoneyBook is not FDIC insured. FDIC insurance only covers the failure of an insured bank.