Typically, merchants do this at the end of the day, so in theory, the closer your purchase is to the merchant's time of closing, the sooner the transaction will clear. However, settlement policies vary by merchant, so it's not unusual for a debit card transaction to remain pending for up to five days.
Regarding this, how do I stop a pending transaction chase?
For Chase card payments: To cancel a payment, click the Payments tab, then click “Payment Activity.” Click “Cancel” next to your payment and follow the instructions. Note: You can only cancel payments that are “pending.”
Are pending transactions already deducted from my balance?
A pending transaction is an approved debit or credit transaction that has not yet posted to your account. The pending amount is deducted from your available credit but is not yet reflected in your posting transactions.
Can you ask your bank to stop a payment?
To withdraw consent, simply tell whoever issued your card (the bank, building society or credit card company) that you don't want the payment to be made. Your card issuer has no right to insist that you ask the company taking the payment first. They have to stop the payments if you ask them to.