All Pre-tax Forma Card transactions must be substantiated. Many, but not all, debit card transactions auto-substantiate, meaning you do not have to submit additional documentation for you claim to be approved.
In a pending state, the transaction amount has been paid to the merchant at the point-of-sale (POS) but has not been settled yet. During this time there is a hold on the account for the purchase amount. While in a pending state, the merchant can still cancel the purchase or increase/decrease the purchase amount. Within a few business days the transaction will settle with the bank and merchant and Forma will verify the final amount matches what we have in our system.