When a transaction is still pending, the money hasn’t actually left your account. It’s just on hold. That means you can't spend it, but the merchant hasn't collected it yet either.
To start a fraud or dispute case, the transaction needs to be settled. That’s when the money has officially been taken from your account, and we can step in to help.
If you suspect fraud:
Go to your transaction
Tap the three dots (...) labeled More at the top of the screen
Select Report an issue
Choose “I neither authorized or participated in this purchase, I suspect fraud”
You will then be asked to lock your card to prevent further transactions
Once the transaction settles, you can file a fraud case from the same screen. Our specialized team will review your case within 48 hours.
Important: We can’t move forward while the transaction is still pending. Please wait for it to settle before submitting your case.