Occasionally, a SmartExchange transaction may take some time to be completed. During this time, the transaction may appear as Pending in your transaction details.
This happens because there may be a short delay between when you make a purchase and when the payment processor confirms the final transaction. During this period, the exchange rate may fluctuate slightly, which can cause the final transaction amount to be slightly higher or lower than the initial amount shown.
Once the transaction is completed, the final amount will be posted using the applicable Wholesale Exchange Rate, with no additional markup or transaction fees.