Using Netspend prepaid cards is simple and secure, but because many people are unfamiliar with this new concept, there are many concerns about how it all works.

You’re probably here because you have a pending transaction on your Netspend account and aren’t sure what it signifies. Don’t worry, you’re not alone, and we have all the answers you need to understand and overcome this issue.

So, keep reading to find out why you have pending transactions on your Netspend account.

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What Does A Pending Transaction Mean On Netspend?

A pending transaction on Netspend indicates that a recent card transaction has been submitted but has not yet been fully processed.

This simple decrease in your account balance usually indicates that you have paid for a product or service, and the money has been “reserved” by the merchant. You have authorized the transaction, but the money has not yet been sent to the seller’s account.

This occurs for a variety of reasons. The majority of the time, it is merely a procedural delay during which funds from your account are moved to another account.

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But, how long will this pending transaction remain, and should you intervene? Stay tuned until the end to learn all of the ideas and tactics you may use to ensure your safety and the security of your money.

How long can a pending transaction last on Netspend?

In most cases, pending transactions take a few days to complete. The exact number of days depends on the kind of transaction and the merchant on the opposite side of the pending transaction.

Pending transactions are typically handled within 5 to 7 days. This indicates that the amount paid has been reserved on your account and you will not be able to access it. When the pending transaction is completed, the funds will be officially moved to another account.

In rare situations, the pending transaction may be shown on your Netspend account for up to 28 days. This is especially true if you used your card to book a hotel room or rent a car.

While a pending transaction on your Netspend card may appear unusual, it is a fully typical banking practice that will take a few days to clear up.

This is not a cause for concern if you made the purchase, but if you suspect that someone else used your card, you should evaluate your options for canceling the pending transaction.

How To Stop A Pending Transaction On Netspend?

Some pending transactions may be alarming if you changed your mind about the purchase or do not identify the transaction as your own. In situations like these, you may need to take action to prevent the transaction from completing.

Stopping unauthorized pending transactions on Netspend

When you see a transaction pending but are certain you did not make the purchase, you must act as soon as possible to prevent the transaction from happening.

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This is possible if you call Netspend customer service and go through the verification process before reporting stolen cards or fraudulent transactions.

When the staff determines that you are the rightful owner of the card, they will halt the transaction, cancel your card, and issue a new one in your name. The new card should arrive at your address in 7 business days, depending on your state’s post office.

Keep in mind that even if you have reported your card as stolen, certain fraudulent transactions might be completed, and the amount will be debited from your account. If this occurs, you should contact Netspend again and inquire about the refund rules that might assist you in obtaining your money back.

Prepaid cards are not protected under federal law, and the only thing that can help you in cases like these are the card’s provider’s security rules and procedures.

Stopping authorized pending transactions on Netspend

When you make an online purchase, pending transactions may display on your account. This can be advantageous since you will have more time to reconsider your purchase and may even be able to cancel the transaction.

Most of the time, acting as quickly as possible, or at least before the merchandise is transported to your address, will yield better results. This gives the seller the option to cancel the order and refund your money.

Here is what you can do to stop an authorized pending transaction:

Contact the vendor –  You need to contact the merchant as soon as possible if you have changed your mind about the order or would like to cancel your membership to some service. This gives the seller the opportunity to cancel the order, and the pending transaction should be terminated fairly immediately.

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If the goods have already been dispatched to your location, the vendor may ask you to return them in order to be refunded. This will not instantly stop the pending transaction, but you will receive your money.

Contact Netspend – If you are unable to reach an agreement with the seller or merchant, you must contact Netspend for assistance. They may be able to protect you from some payments made by you if you are dissatisfied with the goods or service.

Keep in mind that each organization has its own set of policies, and you should make sure you are adequately protected before signing up for an account.

Can I Use My Available Balance On Netspend If I Still Have Money Pending?

Yes, even if you have a few pending transactions on your Netspend account, you may still utilize the remaining money.

Pending transactions will put the money on hold, and you will not be able to access it, but you will be able to manage the rest of the money on your account as you see appropriate. ATM withdrawals, internet purchasing, and in-store transactions all fall under this category.

You can spend the rest as long as you have enough money in your account to pay the pending transaction.

Final Thoughts

Netspend is one of the best prepaid cards on the market for managing your money and understanding your spending patterns. This will give a more detailed view of all pending transactions on your card.

You now understand what those pending transactions are and how to manage them effectively.