Why is My Zelle Payment Pending? 3 Reasons & Solutions (2024)

Table of Contents
Things You Should Know Payment is Processing Recipient Hasn't Signed Up Recipient's Phone Number Was Entered Incorrectly Expert Q&A Tips You Might Also Like References About This Article Did this article help you? FAQs References

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Learn about why your Zelle payment may not go through immediately

Co-authored byHannah Dillon

Last Updated: August 14, 2023Fact Checked

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  • Payment is Processing
    • |
  • Recipient Hasn't Signed Up
    • |
  • Recipient's Phone Number Was Entered Incorrectly

Have you sent a Zelle payment that is listed as "pending?" Most Zelle transactions are completed in a matter of minutes, so getting a " pending " transaction may be alarming. There are a few reasons your Zelle payment is pending, including the recipient not being enrolled in Zelle or the payment simply needing more time to process. In this article, we'll go over three reasons your Zelle payment may be pending and how to resolve them.

Things You Should Know

  • If it's been less than three days since you sent the money, Zelle just may need more time to process the payment.
  • If you sent a Zelle payment to someone without Zelle, they must sign up to claim their money within two weeks; until then, your payment will be listed as pending.
  • If you sent money to the wrong phone number, the payment will be listed as pending if the incorrect number isn't already signed up for Zelle, and you can cancel the payment.

Method 1

Method 1 of 3:

Payment is Processing

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  1. 1

    Check the date you sent the money. While most Zelle payments are available within minutes, some may take longer. Zelle says an enrolled user should get money sent to them within three days. As the payment processes, its status may say "pending."[1]

  2. 2

    Wait until three days have elapsed, if necessary. If it hasn't been three days since you sent the money, check the payment status again after three days.

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  3. 3

    Contact Zelle customer support if the payment hasn't gone through. You can call Zelle at 844-428-8542 or fill out a form on their website for help.

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Method 2

Method 2 of 3:

Recipient Hasn't Signed Up

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  1. 1

    Check if your recipient has enrolled in Zelle. Zelle payments are usually available within minutes. If your payment has been pending for over three days, you should confirm with the recipient that they're enrolled in Zelle.

  2. 2

    Inform the recipient to enroll in Zelle if necessary. Zelle is available in many bank or credit union apps, or you can download the standalone Zelle application to get started.[2]

  3. 3

    Check your payment again. Once you've confirmed your recipient has enrolled in Zelle, the payment should go through. If it doesn't, Zelle will send the payment back after 14 days, after which you can try to send funds again.[3]

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Method 3

Method 3 of 3:

Recipient's Phone Number Was Entered Incorrectly

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  1. 1

    Check the contact you sent the money to. In the Zelle app or your bank app, navigate to the pending transaction.

  2. 2

    Tap the transaction. Information about the transaction will pop up, including the phone number of the contact.

  3. 3

    Verify that the contact information is correct. If you sent the money to an invalid or incorrect phone number, it will show as pending if the person you sent it to is not enrolled in Zelle.

    • If the payment is pending, you should be able to cancel it through your banking app. However, if the other user signs up for Zelle and claims the money, you should contact your financial institution to file a dispute.[4]

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      About This Article

      Why is My Zelle Payment Pending? 3 Reasons & Solutions (25)

      Co-authored by:

      Hannah Dillon

      wikiHow Technology Writer

      This article was co-authored by wikiHow staff writer, Hannah Dillon. Hannah Dillon is a Technology Writer and Editor at wikiHow. She graduated with a B.A. in Journalism from North Dakota State University in 2013 and has since worked in the video game industry as well as a few newspapers. From a young age Hannah has cultivated a love for writing and technology, and hopes to use these passions in tandem to help others in the articles she writes for wikiHow. This article has been viewed 30,317 times.

      1 votes - 0%

      Co-authors: 3

      Updated: August 14, 2023

      Views:30,317

      Categories: Managing Personal Debt | Managing Your Money

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      Thanks to all authors for creating a page that has been read 30,317 times.

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      Why is My Zelle Payment Pending? 3 Reasons & Solutions (2024)

      FAQs

      Why is My Zelle Payment Pending? 3 Reasons & Solutions? ›

      Pending Zelle payments can occur due to various factors, including processing times, bank verification, account discrepancies, insufficient funds, or technical issues.

      Learn More Now ›
      Why would a Zelle transaction be pending? ›

      Network Issues: Sometimes, there may be network issues that cause a Zelle payment to get stuck in a pending state. This could be due to a temporary outage or maintenance on Zelle's servers. Security Concerns: Zelle may also put a payment on hold if they suspect fraudulent activity.

      Read More ›
      Why is my Zelle payment taking 3 days? ›

      Money sent with Zelle® is typically available to an enrolled recipient within minutes. If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle® profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.

      Keep Reading ›
      Why does my Zelle payment require additional review? ›

      If you have a pending review on Zelle, it means that your transaction is being reviewed for potential fraud or suspicious activity by the system. While this can be frustrating, it's important to remember that Zelle takes security very seriously and wants to ensure all transactions are safe.

      Show Me More ›
      Why isn't my Zelle payment going through? ›

      If you are sending a payment and an error occurred:

      There may be an issue with the email address or mobile number they have enrolled with Zelle®. You may verify with the Recipient they have fully enrolled with the email address or mobile number you are trying to send money, and have opted into receive notification.

      Discover More ›
      How do I stop pending on Zelle? ›

      You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

      Read More ›
      Can pending Zelle transactions be reversed? ›

      If the item is still in a "Pending" state, you may cancel the transaction. If the person that you sent the money to is already enrolled in Zelle ®, the money is sent immediately to their bank and the transaction can no longer be canceled.

      See More ›
      What does it mean when a payment is under review? ›

      'Under review' means an application or direct payment request has been submitted and the final decision has not been made by the relevant department. This includes both interim and final decisions, and applies to both original and incorrect applications or direct payment requests.

      See Details ›
      What is the meaning of pending review? ›

      The phrase "pending for review" is correct and usable in written English. Generally, it is used in a professional setting to indicate that something is temporarily on hold until it has been reviewed or evaluated. For example, "The proposal for a new marketing strategy has been submitted and is now pending for review."

      View More ›
      Is Zelle having issues today? ›

      No, we are not detecting any problems with Zelle right now.

      The last outage detected for Zelle was on Wednesday, June 12, 2024 with a duration of about 41 minutes.

      Get More Info Here ›

      Why did Zelle delay my payment? ›

      Verify Recipient Details: Ensure that you have entered the correct email address or phone number of the recipient. Small errors can cause delays. Payment Status: Log in to your Zelle account and check the payment status. It might be pending due to verification or processing issues.

      Discover More Details ›
      What happens if money is transferred but not received? ›

      Money was wired from my account to another party, but that party did not receive the money. What can I do? If the bank initiated the transfer, notify the bank immediately so that it can investigate your claim. If you first contact the bank by phone, it is a good practice to follow up in writing.

      Continue Reading ›
      How to check status of Zelle payment? ›

      How can I keep track of my Zelle® payments?
      1. Select Transfer & pay, then Send & request money with Zelle.
      2. Choose Activity. You'll see PENDING PAYMENTS, SENT PAYMENTS and RECEIVED PAYMENTS.
      3. Use the Search (magnifying glass) located to the right to find payments by name, amount and dates.

      Tell Me More ›
      How long does Zelle pending chase take? ›

      It usually takes 1 to 2 business days for us to receive the money from the sender's bank. Then, we apply a hold to confirm that the other bank hasn't rejected the transfer before the money becomes available in your Chase account.

      Keep Reading ›
      What is the maximum amount you can Zelle in a day? ›

      Bank-specific Zelle transfer limits
      Financial InstitutionDaily Limit
      Bank of America (Member FDIC)Up to 3,500 USD
      Capital OneUp to 2,500 USD
      ChaseUp to 2,000 USD for personal checking accounts
      Citi- Up to 500 USD for new enrollment accounts - Up to 2,500 USD for existing accounts
      1 more row

      Learn More ›
      Does Zelle take longer on weekends? ›

      If the day you initiate a Transfer or Payment falls on a weekend or holiday, we will process your transaction the next Business Day.

      Get More Info Here ›

      References

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