Identify where the money is

What the bank showsWhat the operator showsPossible state
Pending debitNo deposit recordedAuthorisation may not be settled
Completed debitDeposit missingOperator posting or payment trace needed
Reversal or creditPayment removedFunds may be returning
No transactionDeclined messageAuthorisation may not have reached the bank

Do not assume that a pending entry means money is permanently gone. Save the date, amount, method and transaction reference. Check the operator's transaction history and contact the bank or wallet and operator through official channels. Do not send the payment again while the first attempt is unresolved.

A bank's display labels and release times vary, so there is no reliable universal number of hours. If the operator cannot find a completed payment, ask which processor handled it and what reference can be traced.

FAQ

Should I try again while it says pending?

No. Confirm the first transaction's status before starting another one.

Is a pending authorisation a refund?

Not necessarily. A pending authorisation, settlement and reversal are different states. See refunds and reversed transactions.