What do 'completed' and 'pending' payment statuses mean?

Understand the differences between completed and pending payment statuses in Rauva, what each status means for your transactions, and the appropriate actions to take depending on the status.

Completed payment

A completed payment means the transaction is finished and the money has successfully moved from one account to another.

What this means:

• Funds have left the sender's account
• Money has arrived in the recipient's account
• The transaction cannot be reversed (except through refunds or chargebacks)
• Both parties can see the final transaction

Pending payment

A pending payment is a transaction that's been authorized but not yet finalized. The money is "on hold" but hasn't actually moved yet.

What this means:

• Your bank has approved the transaction
• Funds are temporarily reserved in your account
• The money hasn't reached the recipient yet
• The transaction could still be cancelled or declined

Why do payments stay pending?

Common reasons include:

• Merchant delays (waiting to ship products)
• Security checks (fraud prevention)
• Weekend/holiday processing (banks aren't working)
• International transfers (crossing borders takes time)
• Additional charges pending (like hotel incidentals)

What should you do?

For Pending Payments:

• Check back in 1-3 business days
• Contact the merchant if it's been too long
• Don't assume the money is available to spend elsewhere

For Completed Payments:

• The transaction is final
• Contact the merchant directly for refunds
• Check your account statements for confirmation