Transaction statuses

Every card transaction carries a status that tells you where it is between authorisation and settlement. Knowing what each one means helps you tell a charge that’s still in progress from one that’s cleared — and explains why your total spend and your pending total rarely match.

Status	Meaning
Pending	Authorised by the merchant, not yet settled. Pending holds still count toward your total spend.
Settled	Fully processed and cleared. Settled charges are the ones that join a scheduled payment.
Released	The authorisation hold was dropped without settling. No money moved and nothing is owed.
Declined	Blocked at authorisation. The charge never entered the settlement chain.

Two-lane diagram. The transaction lane runs Authorisation to Pending to Settled, with Declined branching off at authorisation and Released branching off from Pending as dead ends. The payment lane shows three settled charges from Monday, Tuesday, and Thursday grouped into a single scheduled ACH payment, which is then debited from the connected bank account. — A card charge from authorisation through settlement, and how settled charges group into one scheduled ACH payment.

Check the status of any charge under Spend → Card Transactions. The page has All, Settled, Pending, and Declined tabs, and the Status column shows the current state of each row.

How a charge progresses

Most charges follow the same path:

The merchant authorises the charge and it appears as Pending.
The merchant submits the charge for settlement, usually within 1–3 business days.
The charge becomes Settled and joins your next scheduled payment.

Two charges leave that path:

A Released hold never settles. This happens when a merchant authorises an amount and then doesn’t claim it — a hotel pre-authorisation, or a cancelled order. The hold falls off automatically.
A Declined charge was blocked before authorisation completed, so it never becomes pending or settled. See Card declines for what each decline reason means and how to fix it.

US banking holidays can slow settlement. If a charge sits in Pending longer than usual during a holiday period, that’s typically the cause — it resumes on the next banking business day.

Why total spend doesn’t match your pending total

Your total spend includes both pending holds and settled charges. Your pending total includes only the holds that haven’t settled yet. The two figures are measuring different things, so they’ll almost never be equal. If you want to reconcile them, compare the All tab against the Pending and Settled tabs under Spend → Card Transactions.

Transaction not showing up?

If you’ve made a charge and it isn’t visible yet:

Click Refresh in the dashboard to pull the latest data.
Give it a few moments — new authorisations can take a short time to appear.

If a merchant tells you a payment went through but you can’t find it, check the Pending tab before assuming it failed. A charge that shows as declined in Dash.fi was never authorised, so no money left your account.

Seeing which charges are in each payment

Settled card transactions are grouped into scheduled ACH payments that debit your connected bank account. To see exactly which charges are in a given payment:

Open Scheduled payments

In the left-hand navigation, go to Spend → Payments, then open the Scheduled tab.

Review scheduled and past payments

Scheduled shows upcoming payments that haven’t been debited yet. Past shows payments that have already processed.

Expand a payment

Click a payment date to expand it and see the details for that payment.

Review the breakdown

The expanded view shows the payment amount and date, with two tabs:

ACH — the payment debited from your connected bank account
Card Transactions — every card charge included in that payment

Verify the totals match

The totals in the ACH tab and the Card Transactions tab should match exactly.

The Card Transactions tab also shows the original date each charge was made — useful for reconciling against platform-level ad spend reports.

If the ACH total and the Card Transactions total don’t match for a payment, don’t ignore it. Email support@dash.fi with the payment date and the amounts you’re seeing.