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When a transaction is pending on a Visa Card, we’re unable to prevent that transaction from being deducted from your account. However, if a transaction is finalised through your account, you can dispute it by completing a Visa dispute form.

If the payment is being held in error, the merchant may not finalise the transaction and the amount may be returned into your account automatically. It generally takes up to 10 business days for the authorisation to be released back to the account, although this time period may be longer depending on the type of merchant that has processed the transaction.