Pending charge versus posted charge, in plain terms

Published October 23, 2026 by Help by Gennie

A pending charge is a temporary hold. Your bank sets aside the money while the payment is confirmed. A posted charge is final.

Why pending can look doubled

Some payments create a hold first and the real charge later. For a short time you may see both.

Compare the amount with your order total.
Wait a few business days for extra holds to drop off.
If a posted duplicate remains, contact Temu from the app. If you do not recognize the order at all, call your bank.