Almost everyone in the USA uses Apple Pay to make daily transactions. Apple Pay saves on time and transfers money between parties within seconds. However, everything comes with its share of challenges. Apple Pay is no exception. Let’s see why is your Apple pay transaction pending?
Your Apple Pay transaction could be pending for several reasons. Apple Pay reads pending because a transaction has not reached the completion stage. Pending payment could result from a problem on your end or the receiver’s end. Whichever the case, let us learn to fix the issue below!
If It Is Pending, What Could Be The Problem?
A pending transaction indicates that your payment is not complete. In layman’s language, it means you have sent it, but it has not reached your recipient.
Money in your account will read deducted, but the transaction will still read pending.
So, what could be the problem?
- You are below 18 years.
Apple pay restricts people under 18 years from using the service. In this case, it requires your identity verification, proving you are part of the Apple Pay Family.
The money you were trying to transact will revert to your account after a short period.
- The Recipient Has Not Accepted the Transaction
When transferring money to another person via Apple Pay, the money may deduct from your account but still read pending.
Sometimes, the person you send money to prefers to accept the transaction manually. Before they do so, the transaction on your Apple Pay reads pending.
However, the transaction will be complete immediately after they accept the procedure. Call your recipient to receive this transaction.
- Network Problems
Network congestion could delay your transaction for a couple of seconds or minutes. I understand this could be frustrating; no one wants their money hanging in the air, right?
Network issues could be a problem with your network providers or the bank. If this occurs, you might have to wait for restoration.
Cancel Your Apple Pay Pending Transaction
Canceling your Apple Pay transaction can be a tremendous hustle. However, it is possible to cancel one.
It would be best if you knew that this process could take 1 to 3 days to succeed, especially if the money is already deducted from your account.
The bank’s official responsibility is to confirm the cancellation before they can put the money back in your account.
To Cancel it, You Can;
- 1. Go to your apple wallet to log in to Apple Pay.
- 2. Select Apple Pay Cash Card and go to your transaction history.
- 3. Click transactions, and your latest transaction messages will display on your screen.
- 4. Look for your pending transaction and double-click on it.
- 5. Option details will appear, and you can select cancel the payment.
- 6. The transaction will cancel.
However, if the cancel transaction option is unavailable, the payment has been successful.
Fixing Apple Pay Pending Transaction
Fixing Apple Pay pending transactions could be as fast as 60 seconds.
You can call your recipient to accept the money. With this, the transaction should be complete within seconds.
To accept a pending transaction, you need to;
Step 1: Go to your apple wallet.
To access your Apple Pay, you need to launch your apple wallet. Open the app, launch your apple wallet, and access Apple Pay.
Step 2: Select Apple Pay Cash Card
Apple Pay Cash Card gives you access to your transaction history.
Step 3: Click on Transactions Button
Its location is beneath the Apple Pay Cash card. Tap this, and all the transaction messages will appear. They will display on your screen, starting with the latest ones. Here, you will notice the pending transactions.
Step 4: Click Accept
When you tap to accept, the transaction will complete immediately.
How Long Should Apple Pay Transaction Remain Pending?
Usually, a pending transaction lasts for a period of 1 to 3 business days. Unless the awaiting transaction happens on special days like public holidays, it should not take more than this period.
However, if your account is experiencing other hitches, fixing a pending transaction could take up to a week.
How Do I Transact Cash Using Apple Pay?
Below is how you send money using Apple Pay;
Open Wallet Application and click Apple Cash Card. Add the recipient and key in the amount you wish to send to them. Confirm your payment, and the transaction will go through.
Conclusion
Apple Pay is convenient for all users as it takes a few seconds to transfer cash. However, several problems may arise, causing you frustration. With this article, you will understand why you have a pending Apple Pay transaction and how to fix it.
Frequently Asked Questions
- Can I send $30,000 using Apple Pay?
No. Apple Pay has a limit of $10,000 per message you send.
- How Can I view my transaction history?
You can access your transaction history through Apple Pay. Navigate to your account, click transactions, and select transaction history.
