How it works 🤔
Once you've made the payment, the transaction has to be confirmed. It first appears as greyed out in your transactions history (2nd tab of the app).
Once the payment is confirmed, the transaction entry automatically switches to white. The amount paid won't be changing after that.
What happens when a payment fails 🤷
While a merchants can cancel a pending payment, they may not cancel the authorisation request. In this instance, the transaction will appear as pending.
If the transaction is neither confirmed nor cancelled by the merchant, it will be automatically cancelled after 10 days.
The Lydia balance in question will then be recredited with the corresponding amount.