Are you having concerns with your Apple Pay and are wondering why is my Apple Pay pending?
Almost everyone in the United States of America relies on Apple Pay for their daily transactions. This is because Apple Pay is safe and fast; it’s known to transfer funds between parties in seconds.
However, everything has its share of challenges, and Apple Pay is no exception. Occasionally, you can get a notification that your Apple Pay payment is pending which is quite frustrating. Worry no more; this article has essential information to help you. Read on to learn more.
Why Is My Apple Pay Pending?
If you’re transferring money through Apple Pay and it indicates pending, it’s because the recipient is yet to accept the transaction.
But once the recipient manually accepts the transaction, the pending message will immediately disappear. You can call the recipient and ask them to accept the payment.
A pending transaction means your payment is incomplete, i.e., it hasn’t reached the recipient. Aside from the stated reason, pending payment can result from several other things. They include:
1. You are Below 18 Years
Apple Pay restricts those below 18 years from using their services. If you’re 18 years and thus didn’t offer identity verification, this is likely the cause of pending payment.
2. Network Issues
Apple Pay uses Near Field Communication (NFC) technology for its payments. This is one of the most secure payment systems in the market.
However, it can still run into technical issues, leading to pending transactions. But it will take a few days to clear.
On the other hand, network issues can arise from your service provider or bank. This can delay your transaction for some seconds or minutes. In case of network congestion, you’ll have to wait for the bank or network provider to restore it.
How Long Does the Apple Pay Payment Stay Pending?
The pending transaction clears after 1-3 days. This is usually the time frame for most cases. However, this is when there are no other issues, such as doing a transaction during a bank holiday.
But in case of other issues, it’ll take longer than 3 days – it can even be one week. It’s best to check with your bank or Apple Pay support to learn the specific cause of the delay. They’ll also help you work on a resolution faster.
Other Apple Pay Problems And Quick Fixes
As mentioned, Apple Pay is one of the USA’s most advanced and popular payment systems. But despite being so efficient, it has its flaws.
Nobody wants to get stuck at the counter because of failed payment – especially if they don’t carry cash around.
The good part is that most Apple Pay issues are easy to solve. Here are some quick tips on how to get your Apple Pay up quickly.
1. Restart Your Phone
The issue you’re experiencing might only need a simple fix, such as restarting your iPhone. Before you think of any extensive troubleshooting method, you should try this fix.
A quick restart will refresh your phone’s memory and clear the temporary cache affecting the Apple Pay app.
2. Check Apple Pay System Status
Apple Pay rarely goes offline or experiences issues. However, it may temporarily halt its services in particular areas when performing system repairs or maintenance.
Checking the status of your Apple Pay will take at most 30 seconds so you won’t lose much time on it. Go to the Apple System Status page and then Apple Pay & Wallet.
Here is what some of the popular Apple Pay symbols mean:
- Yellow Diamond: This means that Apple Pay has noted some potential performance issues and that the service may be temporarily down.
- Green Circle: It shows that Apple Pay is working well.
- Red Triangle: It appears when there’s a system-wide outage.
3. Verify the POS System
If you’re shopping, you need to confirm whether the point-of-sale (POS) terminal accepts Apple Pay. It is a popular payment method in the USA, but not all merchants use it.
If the merchant uses Apple Pay, you should ask the cashier or store clerk if they frequently encounter payment issues. If yes, they might know some fixes that’ll quickly help you through the process.
For example, the cashier or store merchant can check and change some checkout settings or the POS internet connections. You can also do other things to enhance your phone’s network connectivity.
4. Setup the Apple Pay Again
If you get an error message saying that your Apple wallet isn’t detecting your card, you should disable the account and enable it again. After completing the entire process, restart your iPhone, log into your account, and set up Apple Pay.
5. Confirm the Zip Code and Address
You might encounter the issue “Address did not match” when adding or removing credit cards. If this happens, you’ll need to update your billing address, including the ZIP code.
6. Check Your Push Notification
The push notification doesn’t directly affect the app’s performance. But it’s best to enable them to receive timely transaction notifications.
You’ll also receive notifications when adding or removing cards to your Apple Pay, which is great for security reasons. Additionally, you will get all important system updates and error prompts.
7. Engage with The Apple Pay Support Communities
You’re not the only Apple Pay user experiencing the pending payment issue. Some people have already experienced it or are experiencing it. Those that have already dealt with the issue surely have solutions.
You can seek help from the Apple Pay communities by starting a conversation about the issue. Note that you’ll need to give some details to join the communities, but first read the terms and conditions before confirming anything.
After creating an account, go to the “Ask a question” page. Here you’ll create a subject and ask your question.
You’ll receive most responses from other Apple Users, but there are times when Apple technicians join the conversation.
8. Check Your Apple’s Device Time and Date
This is especially useful if you’re experiencing issues removing or adding credit cards to Apple Pay.
If the time and date aren’t correct, you’ll have problems with Apple Pay and other apps on your phone. You can set it to automatic to ensure the device is always up to date despite where you are.
9. Manually Select a Card
Normally, your Apple Pay will use the card you’ve set as default for any payments you make. That’s both offline and online.
This great feature makes checkouts easy and better, but there are times when the NFC chips fail to read Apple Pay well. In this situation, you’ll need to choose your preferred card manually.
What are The Reasons to Keep Using Apple Pay?
Apple Pay technology enables contactless transactions using devices like the iPhone. Despite its few issues, which also occur in other mobile payment platforms, Apple Pay has numerous benefits. These include:
It offers Convenience
The Apple Pay app offers great convenience for people who don’t like carrying their cards. It keeps all your cards in one place.
You can make payments using your Apple Watch or iPhone etc. The best part is that Apple Pay is quite popular today, and nearly all stores accept it.
You’ll Keep Track of Your Entire Payments
Apple Pay has a wallet app that allows you to track all your payments. This is useful if you want to know your monthly expenditure. You can also track the payments you make from different cards from the Apple Pay app.
It’s Available on Multiple Devices
The Apple Pay app is available on Apple devices, including iPad, Apple Watch, iPhone, MacBook, etc.
This is great since you own at least one of the Apple devices. You can use either of the Apple devices if you don’t have your iPhone.
In addition, setting up your Apple Pay on your MacBook or iPad makes online transactions much easier.
There’s no Contactless Payment Limit.
You’ll like Apple Pay more than its counterparts because it doesn’t limit the payment amounts. This is better than other digital payment options using debit or credit cards since most have a transactional limit of $200.
With Apple Pay, you won’t have to worry about expensive payments. However, note that certain stores might add limits to their transactions.
It Is Safe
Apple Pay is one of the safest contactless payment apps. All your details, including bank details, are safe with Apple Pay.
Plus, you must authenticate transactions using Touch ID or Face ID. This ensures that no one else can make transactions from your devices. In addition, Apple Pay keeps you from carrying your cards, reducing the risk of stolen cards.
The article answers the common question of why is my Apple Pay pending and even offers quick fixes to other issues. Today, contactless payment is essential, and Apple Pay is among the apps enabling it.
People like Apple Pay because it is convenient, safe, and a popular payment option in almost all stores. However, it has its share of faults, but they don’t make it any less efficient than its counterparts.