A pending transaction might include a purchase, deposit or payment that hasn’t fully processed—sometimes referred to as settled, cleared or posted. Pending transactions can happen when the money needed for the transaction is still moving between accounts, like after using your credit or debit card to purchase gas at the pump or add a tip at a restaurant. Until it processes, a pending transaction could put a hold on an account balance or credit limit. It can affect your available balance—or the funds you’re able to access. In general, it can take up to three business days for a pending transaction to clear.