Sorry about the wall of text
@MIROW your suggestion would work fine but my concern is keeping track of why your adjusted balance is the amount that it is. You need to see what the pending payment is for so that you can see when it’s been paid.
@Andy1 I was hoping that tagging the payment onto the authorisation / active card check would work. But it turns out merchants don’t do the check every time so you wouldn’t always have an entry in your feed to work with.
When I first created this topic I was more worried about having the funds available for payment but you’ve both pointed out that there needs to be some sort of secondary balance showing the accounting for the total amount from upcoming payments (this would include Direct Debits) too
As Andy mentioned, I think we can agree that the user’s going to have to manually enter the amount that’s pending so that’s fine. Users wouldn’t ever have to record these payments if it wasn’t worth it for them & they’re fairly rare.
The piece that’s still bothering me is how to reconcile the delayed payment with the amount that’s been set aside. You don’t want to have to manually update the total that’s been set aside. Hugo doesn’t like manual (& neither do I). So here’s my proposal -
Users can create feed items & record the amount that’s due to paid.
When they create the feed item, they’ll also have the option to search for the merchant that the payment’s due to be paid to. The search will auto-complete & if an authorisation was the last transaction, that payment’s merchant will be suggested. When another payment’s taken, the amount will be deducted from the total pending payments for that merchant. The merchant’s group Id, will be selected by Monzo when the user creates their entry so regardless of the location / id of the merchant who takes the final payment, the pending payment will be matched with the final payment.
The pending payments would need to be flagged in the list of transactions so that users can review them easily & update them if necessary.
The balance minus the amount set aside would be displayed as a secondary balance as @MIROW suggested & the user would be warned when they’re getting close to their balance minus the amount set aside, as @Andy1 suggested.
I try to avoid describing a solution in this much detail, as I’m sure Hugo can come up with something better. But since we haven’t heard from Monzo on this, I guess we might as well