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.