> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Midaz pending-transaction overdraft behavior

> A pending transaction creates a hold rather than drawing overdraft, and an excessive hold is rejected with error 0018.

<Badge stroke icon="calendar-days" iconType="regular">September 1, 2026</Badge> <Badge stroke icon="file-code" iconType="regular">Documentation correction</Badge> <Badge color="purple" size="lg" stroke icon="eye" iconType="regular">Action required</Badge>

## Affects

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Teams that create, cancel, or reconcile pending Midaz transactions with overdraft enabled.

## What changed

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The overdraft guide now correctly states that a `PENDING` transaction creates a hold; it does not draw overdraft. If the hold would exceed Available, Midaz rejects the transaction with `0018 - Insufficient Funds Error` and leaves Available, OnHold, and `OverdraftUsed` unchanged.

Cancelling a pending transaction releases its hold. A pending transaction created by an earlier Midaz version can already carry overdraft, and Midaz still unwinds that legacy state during cancellation. This documentation update records an existing runtime change; it does not announce a separate runtime release.

## Impact

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**Classification: Action required.**

## What you need to do

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<Steps>
  <Step>Update pending-transaction handling, reconciliation, and tests to expect a hold rather than overdraft use and to handle error `0018`.</Step>
</Steps>

### Deadline

Update before the next deployment that creates or cancels pending transactions with overdraft enabled.