Cogni cannot cancel a pending card transaction, but the merchant might have that capability. If the merchant cancels the charge while it’s still showing as pending, they’ll remove it from their list of transactions to finalize. They don’t usually have a way to remove the pending hold, but it should expire automatically after a few days.
If you’d like to dispute a pending transaction, you’ll need to wait for it to settle before filing. We’ll determine whether your dispute can be resolved within the first ten business days, at which time provisional credit will be issued. It may take up to 90 calendar days for a case to officially be resolved.