[tartaglia]

Sounds like you are set up to do an Authorization Only transaction NOT an Authorization and Capture transaction. With my set up (XC4.5.1 + X-Pay) I have it set up to do an Authorization Only transaction. Once it is authorized (what you call "money pending") then you as the admin have to go into XC and within the Order, tell XC to Capture the funds. In my case if you leave the authorization only out there tool long without telling it to capture, then the authorization expires. I think expiration timeframes may vary based on gateway/merchant provider.

Maybe this helps you understand.