What’s a “processing” card transaction?

Contrary to traditional banks, Qonto shows you transactions in real-time. This implies that Qonto shows you all transactions, including those that are hidden in the background for other banks.


When you pay with your Qonto card, the merchant performs an authorization request, in order to check that you have the required funds on your account. This authorization request is generally for the same amount as your purchase (gas stations aside), and show up in your account history as a “processing” transaction.


The “processing” label will disappear once the transaction is finalized, 2 or 3 days after your payment on average.

In some cases, the amount of a “processing” card transaction can change over time: if you don’t recall the amount of a “processing” transaction, click here to find out why it might be the case.

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