What does a pending reload message mean?
"Pending reload" means a recent top up or a Snapper refund (a credit that has been initiated to your Snapper) that has not been fully completed - the transaction was processed, but the value hasn't yet been loaded onto your Snapper.
To complete the top up using MySnapper, select the pending reload from the list on your screen and click "top up". You can also collect a refund via a Snapper service centre.