When you submit an online payment, your credit card is not actually charged at that time. The processor checks with your credit card provider (or bank) to make sure you have enough available credit to complete the transaction. They also check to make sure the billing address you entered matches the billing information on your credit or debit card account. At that time, the card issuer or bank places a hold (or a pending charge) on those funds. The credit card issuer or bank does not finalize the transaction until early evening when the card processor sends the final transaction confirmation. This means that any declined transactions will show on your account as pending charges until the credit card issuer or bank removes them. The time involved varies with each credit card issuer or bank but can take anywhere from 2-5 days. This is a not unique to our website, but it is how virtually all online transactions are handled. If you have any questions, please contact your bank or credit card provider.