You completed the payment.
The charge attempt appears.
Your card shows activity.
But one thing is missing.
No receipt.
No invoice.
No purchase confirmation.
This usually means the payment is still pending — not finalized.
Why No Receipt Is Generated Yet
- Receipts are issued only after payment capture — not authorization
- The merchant hasn’t completed settlement
- The transaction is under risk or fraud review
- Bank approval is temporary, not finalized
Pending payments sit between authorization and settlement.
Common Situations Where This Happens
- Subscription renewals stuck in verification
- In-app purchases under store review
- International payments awaiting network clearance
- High-value transactions flagged for manual approval
In all cases, no receipt is issued until the charge becomes “captured.”
How to Confirm the Payment Status
- Check billing or transaction history
- Look for “Pending” or “Authorization” labels
- Contact the merchant — not just the bank
- Verify email folders (including spam)
If the charge is pending, receipt delay is normal.
When You Should Take Action
- Pending status exceeds 7 business days
- The charge disappears and reappears
- You’re billed twice without receipts
- Access remains locked after settlement
No receipt usually means no finalized payment — not a lost purchase.