What do pending against completed transactions mean on my OKX Card?

Card payments move through multiple stages. Understanding the status helps you know whether you should wait, contact the merchant, or contact our customer support.

Pending (authorization)

A pending transaction means the merchant has authorized the payment but hasn’t settled it yet.

Common examples:

• hotels

• car rentals

• pay-at-pump fuel

• online merchants that ship later

Pending transactions can:

• remain visible for a few days

• change amount when settlement posts

• disappear if reversed

Completed (settled)

A completed transaction means settlement has finalized.

• This is usually the final amount you paid.

• If you return something later, you’ll see a separate refund entry.

Reversed / voided

A reversal means the authorization was canceled before settlement.

• The pending hold should be released once processed.

• Timing depends on merchant and network.

Refunded

A refund is a separate transaction initiated after settlement.

• It may take several business days to post.

Why can the amount change?

Some merchants authorize estimated amounts, then settle a different amount:

• tips added later

• partial shipments

• weight-based goods

• hotel incidentals

When should I contact support?

You should contact OKX Assistant if:

• a pending transaction remains unusually long

• a completed amount doesn’t match your receipt

• You suspect unauthorized activity

Provide: merchant, date/time, amount, screenshots/receipt.

To learn more about OKX Card, visit here.