You updated your payment method.
You replaced your old card with a new one.
The system accepted the change.
No error popped up.
But the next charge didn’t finish.
Your payment stays Pending.
Your subscription may show inactive.
Features can stay locked.
This usually means the payment is waiting for verification — not that it failed.
What “Pending” Means After a Card Change
- The bank authorized the charge, but the merchant hasn’t captured it yet
- Risk checks were triggered by the billing change
- 3D Secure / SCA approval is still processing
- The payment provider is retrying with updated billing details
Pending can last longer after a card update because the system treats it as a higher-risk event.
Fast Clues You’re Stuck in Verification
- You see “Pending” for hours or days with no new error
- You received a bank alert but the service didn’t activate
- You’re asked to verify again (OTP, app approval, SMS code)
- The same renewal keeps trying in the background
If these match, your payment is usually waiting on an approval step.
How to Fix a Pending Charge (Do This in Order)
- Check your bank app for a pending approval request
- Confirm billing address and card details (ZIP/postcode matters)
- Try completing the payment inside the same session (don’t refresh repeatedly)
- Wait 24–48 hours if it’s an authorization hold
- If it repeats, contact your bank and ask if the merchant is being blocked
Most pending issues resolve once verification is completed or the authorization is released.
Before You Pay Again
- Do not repurchase immediately
- Do not create a new account
- Do not keep retrying every few minutes
Repeated retries can create multiple authorization holds and make the pending period longer.
Fix the verification step first — then reattempt once.