Why Does Apple Pay Say Pending

Why Does Apple Pay Say Pending

Since the launch of Apple Pay, making payments using digital wallets has been revolutionized due to the awesome features brought to light by the digital payment medium, now iPhone, Apple Watch or iPad users can use the NFC-based payment system to perform contactless payments. This has led to a tremendous increase in the number of users of the payment system. But sometimes, a 5-star payment system has its temporary issues and one of them, in this case, is when Apple Pay says pending, leading us to ask why the app says this.

Apple Pay says pending because the transaction performed hasn’t been completed successfully. This means when you sent money to your recipient, they haven’t received it successfully but the money has been deducted from your account. The transaction status will remain pending until it’s successful.

When Apple Pay says pending, it may be quite frustrating especially if you need the recipient to receive the payment instantly hence why in this article, I’ll be discussing with you the reasons why your Apple Pay is saying pending and how to accept or cancel pending Apple Pay transactions. 

Why does Apple Pay say pending?

Why Does Apple Pay Say Pending

When you perform a transaction and it says pending, it means the recipient hasn’t received the money yet but the money has been deducted from your account. This happens when Apple Pay hasn’t charged the amount of money you sent from your bank account or they’ve removed the money from your bank account but it’s not been sent to the recipient successfully. 

This may also be due to network issues caused by your network provider, your bank, or due to network congestion as there are too many people using Apple Pay to perform a transaction at that particular moment. 

Usually, when you perform these kinds of transactions with your Apple Pay, it’s supposed to be a smooth, fast and convenient transaction that the recipient will receive immediately without so much stress. But when the transaction shows pending, it becomes frustrating for users because no one wants to leave their money hanging in the air. 

Users will rather their transfers be delivered immediately to their recipients without being stressed or inconvenienced. 

When you see that your transaction is pending, you really don’t have to do anything other than to be patient and wait for the transaction to be completely processed. It may take a short period of time to be processed or more still, you only have to be patient except you want to cancel the transaction. 

This can only be easily done if the money hasn’t been removed from your account because when the money has been deducted and you cancel, it may take 1 to 3 days before the money is returned back to your account as your bank will need to confirm the transaction and the cancellation before returning the money to your bank account.

How long does Apple Pay stay pending?

Pending transactions may get very frustrating especially if the transaction remains pending for a very long period of time. But usually, the range in which your Apple Pay remains pending is usually between 1 to 3 days because it may take up to 3 days for the total processing to be completed. 

Now if the transactions remain pending for longer than 3 days, then you may have to cancel the transaction or contact your bank to check why the transaction is taking longer than the indicated time frame. 

Usually, when you cancel the transaction after 3 days, there are tendencies that the money has already been removed from your account so you still have to call your bank to inform them that you canceled the transaction yet the money has been removed. 

Your bank may need to confirm the transaction and that you canceled the transaction to satisfy anti-scam regulation so you may need to send in some information to help them confirm the process. 

This may be quite frustrating but if you’ve been debited and you canceled the transaction after it’s been pending for more than 3 days, then you may need to take extra steps to get your money back. 

How to accept Apple Pay pending payments?

Why Does Apple Pay Say Pending

Sometimes, whenever a transaction says pending, it may be due to the fact that it hasn’t been accepted in your Apple Pay wallet application. In this case, you may need to contact the recipient to inform them about the transaction so they can accept it in their Apple Pay wallet application. 

The following are the steps to accept Apple Pay pending transactions so the transaction can be processed successfully:

Step 1: Launch Apple Wallet

Open your Apple wallet application to access your Apple Pay. 

Step 2: Click On Apple Pay Cash Card

Tap on your Apple Pay Cash Card to access your transaction history. 

Step 3: Tap On “Transactions”

Click on “Transactions”. You can find this right below the Apple Pay Cash card button. After tapping on this, all the messages with your latest transactions will be displayed on the screen. You’ll see pending, and successful transactions that you’ve performed in the past and recently.

So look for the pending transactions. They’re the transactions with “pending” as their transaction status.

Step 4: Tap On “Accept”

Once you’ve found the pending transactions that require you to accept the transactions, click on “Accept” so the transaction can be processed completely. After clicking on accept, the payment will be added to your Apple Pay Cash balance. 

So whenever you’re expecting a payment and the sender says it’s pending, go to your transaction history to accept the payment so it can be successfully processed by the bank and sent to your Apple Pay Cash card. Make sure to do this between 1 to 3 days because after 3 days and the transaction hasn’t been accepted by you, the transaction will be reversed to the sender’s account. 

How to cancel Apple Pay pending payments?

Why Does Apple Pay Say Pending

In cases when you sent money to a recipient and you’ll like to cancel the payment, there are steps to take to do this but firstly, the transaction has to be pending because if it’s not, then the transaction has been completed successfully. 

However, if the transaction hasn’t been completed and it’s pending, here are the steps to cancel the transaction: 

Step 1: Launch Apple Wallet

Open your Apple wallet application to access your Apple Pay. 

Step 2: Click On Apple Pay Cash Card

Tap on your Apple Pay Cash Card to access your transaction history. 

Step 3: Tap On “Transactions”

Click on “Transactions”. You can find this right below the Apple Pay Cash card button. After tapping on this, all the messages with your latest transactions will be displayed on the screen. You’ll see pending, and successful transactions that you’ve performed in the past and recently.

So look for the pending transactions. They’re the transactions with “pending” as their transaction status.

Step 4: Click On The Particular Payment Twice 

Once you’ve seen the pending transaction you want to cancel, click on it the first time to bring up its details. After this, click on it again to bring up the ‘cancel payment’ button.

Step 5: Tap On “Cancel Payment”

Why Does Apple Pay Say Pending

Once it brings up the “Cancel Payment” button, you can go ahead to click on it to cancel the transaction successfully. 

If the “cancel payment” button doesn’t pop up, then it means your transaction has been completed completely and you just need to be patient for Apple Pay to record the transaction from pending to completed.

Scroll to Top