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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
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
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
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
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
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]
- You can download Zelle from the Apple App Store or Google Play Store.
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
Check the contact you sent the money to. In the Zelle app or your bank app, navigate to the pending transaction.
2
Tap the transaction. Information about the transaction will pop up, including the phone number of the contact.
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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References
- ↑ www.zellepay.com/faq/how-long-does-it-take-receive-money-zelle
- ↑ https://www.zellepay.com/faq/how-do-i-get-started
- ↑ https://www.zellepay.com/faq/what-if-person-i-am-sending-money-hasnt-enrolled-zelle
- ↑ https://www.usbank.com/customer-service/knowledge-base/KB0070071.html
About This Article
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 35,237 times.
2 votes - 50%
Co-authors: 3
Updated: August 14, 2023
Views:35,237
Categories: Managing Personal Debt | Managing Your Money
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Thanks to all authors for creating a page that has been read 35,237 times.
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