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

When you pay with your Qonto card, the merchant performs an authorization request to verify that you have the necessary funds on your account. This authorization is generally the amount of your purchase (unless exceptions) and appears in your history as a “processing” transaction. Card transactions are usually confirmed by merchants within 2-3 days.

👉 With no confirmation from the merchant, the transaction might remain “processing” on your history for up to 9 days before the system automatically cancels it (the transaction then appears crossed out).