Xapo support here! Sometimes, when a debit card is declined, that transaction will show up as 'pending' in your transaction history with the funds temporarily on hold until the cancelation has been confirmed.

Transactions can be declined when you swipe the card, or later on in the authorization system either by VISA, the merchant/ATM or the merchant's/ATM bank. These cancellations must then be communicated to Xapo via the settlement system. While most transactions get canceled, or settled within 1-2 days after the original authorization, merchants/ATMs have up to 16 days to broadcast confirmations and cancellations to the payment processing system.

As soon as Xapo receives the cancellation notice, you'll then see your transactions moved from "pending" to "canceled" and the funds made available in your wallet again.