Pending and completed transactions
A purchase often appears as pending before it is fully processed. When the merchant finishes the charge, your financial institution sends the completed transaction. For a short time, Rankk may receive both versions.
Example
Pending restaurant charge: $42
Completed charge with tip: $50
The pending $42 charge should disappear after the completed $50 transaction is fully processed.
Learn more about pending and completed transactions.
Other reasons a transaction may appear twice
- One is pending and one is completed
- The merchant split one purchase into two charges
- The same payment was made twice
- Your financial institution sent the transaction more than once
- An account was disconnected and added again
- Two connected accounts show opposite sides of the same transfer
- A payment and the purchase it paid for are both listed
Check the transaction details
Open both transactions and compare:
- The status
- The amount
- The date
- The merchant name
- The connected account
Small differences can help explain why both transactions appear. For example, a gas station may place a $100 temporary hold and later complete the purchase for $46. The $100 hold should disappear.
Wait for pending charges to clear
If one transaction is pending, wait until your financial institution finishes processing it. Many pending charges clear within a few days. Hotels, car rentals, gas stations, and international purchases may take longer.
Rankk cannot remove a pending charge before your financial institution updates it.
Transfers may appear in two accounts
A transfer between your own accounts can appear twice because each account reports its side of the transfer.
Example
Leaving checking: −$500
Entering savings: +$500
These are two records of the same transfer, not two separate expenses.
Learn more about how Rankk handles transfers.
What if both transactions are completed?
Check your financial institution’s app or website.
- If both completed charges appear there, the merchant may have charged you twice. Contact the merchant or your financial institution to review the charges.
- If your financial institution shows only one completed charge but Rankk still shows two, contact Rankk support.
Rankk cannot cancel, refund, or dispute a transaction.
What to include when contacting support
Please include:
- The financial institution
- The connected account type
- The merchant name
- The transaction amounts and dates
- Whether each transaction is pending or completed
- A screenshot, if helpful