I've recently encountered a frustrating issue when using an FNB virtual card for online purchases.
The payment fails at checkout, but the funds are still placed on hold, showing as a separate pending transaction on my account. The online store confirms they never received the payment.
After going back and forth with the payment service provider (PSP), they eventually admitted—via internal comms they shared—that this is a known issue affecting over 3,000 FNB users.
I've been trying to get it resolved, but all I’m being told is to “wait it out.” First, the PSP blamed me, then the merchant, and finally FNB. Only after posting a negative review did they even attempt to follow up properly with FNB.
If anyone else is experiencing this, or has managed to get it sorted, I’d appreciate any advice. This has been dragging on far too long with little accountability from FNB.
So they clear the hold but not the pending transaction for the same amount.
Be vigilant, I went back and noted similar transactions and now discrepancies in previous transactions.