Summary
Credit card transactions may be delayed because banks take longer to process and share credit card data compared to regular bank transactions.
Why This Happens
Credit card transactions follow a different processing flow than debit or UPI transactions, which can cause delays in Nance.
1. Pending → Settled Flow
Most credit card transactions first appear as pending and are only finalized after settlement.
Banks often share the transaction only after it is confirmed.
2. Batch Processing by Banks
Unlike real-time payments, credit card transactions are often processed in batches by the bank.
This means they may not be available immediately during sync.
3. Merchant Settlement Delays
The merchant needs to complete settlement with the bank.
Until that happens, the transaction may not be fully recorded or shared.
4. Bank Data Availability
Some banks delay or limit how frequently they update credit card transaction data via their systems.
Important to Know
- Credit card transactions are typically slower than debit/UPI transactions
- Nance shows transactions only after the bank makes them available
- Sync is automatic, but depends on when the bank updates the data
- Delays can range from a few hours to a couple of days in some cases
If a transaction is urgent to track, you can temporarily add it manually and let it sync automatically once the bank updates it.