You approved the payment.
Your bank didn’t decline it.
But the transaction isn’t completing.
Instead, you’re asked for more verification.
This usually means the payment is under additional security review.
Why Extra Verification Happens
- The transaction triggered fraud-risk signals
- The amount is higher than your normal spending
- The purchase is international or cross-border
- The merchant category requires extra screening
Even legitimate payments can be paused for safety checks.
Common Types of Verification Requests
- 3D Secure (OTP / SMS / banking app approval)
- Card issuer identity confirmation
- Email or phone verification
- Document or billing address validation
Until this step is completed, the payment remains pending.
What Happens If You Don’t Complete It
- The payment may auto-cancel
- The pending hold may stay temporarily
- The service may not activate
No verification = no settlement.
How to Complete the Payment Faster
- Finish the verification immediately
- Check SMS or banking app alerts
- Disable VPN if verification fails
- Contact your card issuer if prompts don’t appear
Once verification is completed, the pending status usually clears within minutes.