When you use your M1 Spend Visa™ Debit Card online or in person, you may see a pending transaction in the Transactions section of the Spend tab. The amount shown is a temporary “hold” to cover the cost of the purchase. Once the purchase amount is finalized, the pending transaction will be removed and replaced by the final transaction amount.
Though the pending transaction amount will usually equal the final transaction amount, it is possible for the two to differ.
Some merchants may markup transactions to cover incidentals like holds for gas or hotels. This means that the pending transaction/hold amount may be larger than the final amount that you must pay. When this happens, only the final transaction amount is deducted from your account. Please note that if the pending transaction amount is greater than your available Spend balance, the transaction will be declined.
On the other hand, sometimes the pending transaction amount will be for less than the final transaction amount (ex: when leaving tips on paper receipts). In this case, the transaction amount will change once the merchant processes the transaction.