A pending transaction is an authorised payment that's still awaiting confirmation from Mastercard. All newly made transactions will first be classified as pending. The funds will be held until Mastercard has given its confirmation of the transaction. All pending transactions will be completed or reversed within 8 days.
Here's an example of what a pending transaction will look like in your statement:
Once confirmed by Mastercard, the transaction will be considered completed, with funds released to the merchant you made your purchase with.
For transactions made in currencies outside the 10 stored currencies in your YouTrip account, the exchange rate may be changed slightly once a pending transaction is completed. Why?