Most of the banks have their credit cards processed by a different company called Card/Payment processors. These companies approve and deny card transactions. They post the processed transactions back to the bank everyday or in a pre-configured time interval. That's why you see the transactions posted late.
Contact your Credit Card Issuer:
If the missing transactions persist and you have confirmed that the payments were made, contact your credit card issuer to report the issue. They can investigate the matter further and help in tracking down the missing transactions or provide guidance on the next steps to take.
CyberSource advises that when a credit card payment does not go through, it is most likely being blocked by the card-issuing bank. Most often, this is due to a dollar-amount limit on the card.
It generally takes one to five business days for a credit card payment to post to your account. Your payment may even be credited to your account before it posts. In other words, your card issuer may acknowledge receipt of the payment before the transaction is fully processed.
Reasons Why Credit Card Transactions Don't Show Up Sometimes
It can happen because of entering an invalid PIN, exiting the payment page before confirmation, and a few other reasons. It is rare but sometimes the amount is not deducted from your account even after it shows payment done successfully.
It can take one to three business days for an online or phone payment to post to your credit card account and reflect in your available credit. 1 That's because payments made using a checking account and routing number are processed in batches overnight and not in real-time.
The bottom line
If your credit card payment does not go through, your card issuer will typically charge you a returned payment fee. They could even add on a late payment fee, depending on the terms of your card agreement. Not only that, but your bank may also assess you for a “non-sufficient funds” fee.
Why is my charge pending for so long? Insufficient funds, fraudulent activity, processing errors, merchant delays, and delays due to holidays/weekend processing might result in an extended period of a pending charge.
If you don't have sufficient funds available in your account, the payment won't be processed.
Some retailers don't process payments straight away so these will not appear in your pending transactions. The payment will appear when the retailer processes it, usually within a couple of days. Examples of offline payments include payments made on flights, parking, toll roads and market stalls.
You'll know the processing is complete when you see the funds removed from your bank account and when your available credit limit changes to reflect the payment.
Dispute the Credit Card Transaction
Contact your bank's customer service and file a formal dispute claim. Offer all necessary evidence, such as transaction details and your communication records with the merchant. The bank will then investigate the matter to check the validity of your claim.
You should let your credit card company know if your payment does not show on your statement. You can call the card company to try and resolve the issue quickly. However, in order to protect your rights you must send a written billing error notice to the card issuer.
A Pending Transaction is one that you have made with your Credit Card or your Card number which has not yet posted to your Account. When you make a transaction, the Available Credit on your Account is automatically reduced by the amount of that transaction.
Sometimes, when a transaction is being processed, a delay may occur between when a transaction is removed from the pending state and posted to your account. Just give it a few days and the transaction will be posted to your account once it's finished processing.
A charge can be pending on your account for up to five days. There are several factors that affect how long a pending charge will appear on your credit card. These include when you made the transaction and how long it takes the merchant to process it. Card pre-authorizations may also show on your account for longer.
Usually, a pending charge will show on your account until the transaction is processed and the funds are transferred to the merchant. This could typically take up to three days but may stretch longer depending on the merchant and the type of transaction.
The three main reasons credit card transactions are declined are 1) the funds are unavailable, 2) incorrect security code, or 3) billing address does not match. Please contact your credit card vendor to see why the transaction was declined.
Why wasn't my online payment credited to my credit card account on the same day I made it? The general rule is that a credit card account payment must be credited as of the date it is received. However, the bank may set reasonable requirements for receiving payments. For instance, the bank may set a cut-off time.
Missing a debt payment by just one day won't hurt your credit scores. Late payments typically don't appear on credit reports (and therefore hurt your credit) until they're past-due by 30 days or more. However, you may face fees and other penalties.
This may happen even if we credit your payment to your Account. We may resubmit and collect returned payments electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed payments, and handle similar issues.
Generally speaking, credit card issuers don't have a time limit for charging a customer's credit card. The issuing banks, however, will often impose a limit on merchants for charging. These limits can range anywhere from three to 30 days.
Unposted means the transaction happened after your current bill is generated. It will be posted on your next month's bill. But the payment still pushed thru.
Credit Card Transactions: Typically take up to 3 business days to clear. Credit card payments often involve multiple layers of verification and authorization, contributing to this timeframe. Direct Deposits: Usually clear by the next business day.