The short answer
The registry records Pending Authorization as a possible interpretation of PENDING AUTH. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of PENDING AUTH mean?
- PENDING AUTH
- Authorization Hold: a payment-type code from the bank or payment network, not part of the company's name. Glossary entry →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
What is a PENDING AUTH charge?
Unreviewed registry note: The statement billing entry PENDING AUTH refers to a temporary authorization hold placed by your banking institution on your credit or debit card account. When this notice appears on your transaction ledger, it is not a finalized charge but rather an electronic verification confirming that your card is valid and that sufficient funds exist to cover an impending purchase.
Unreviewed registry note: Common triggers for these temporary holds include pay-at-the-pump gas stations, hotel check-ins, car rental reservations, and online orders where merchants verify payment methods before dispatching goods. During the pending phase, the reserved amount is temporarily deducted from your available spending balance, though the funds have not yet transferred permanently out of your account.
Common Triggers
Unreviewed registry note: Hotels, car rental agencies, and gas stations frequently use authorization holds because the final amount of your purchase might change.
Unreviewed registry note: During the pending phase, the funds are deducted from your 'available balance' but have not actually left your account.
- Step 1 Unreviewed registry note: Wait 1 to 5 business days for the merchant to 'settle' the transaction, at which point the final amount will post.
- Step 2 Unreviewed registry note: If a pending authorization remains on your account for more than 10 days (or 30 days for car rentals), call your bank to have the hold released.
Can I dispute a pending authorization?
Unreviewed registry note: Banks generally will not let you dispute a charge while it is still pending. You must wait for it to officially 'post' first.
Independent reference — not affiliated with Pending Authorization. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
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