How to Accept Pending Payment on Cash App

By Robert Courtneidge 10 Min Read

Payments on Cash App typically show up instantly. When you receive funds, you need to accept pending payment on Cash App for it to be added to your balance. However, if you notice a payment listed as pending, Cash says, “You need to take action” on your end through your activity feed to complete the payment. But if you ask, that’s quite a vague response that does not specify the problem you need to fix.

Thankfully, we have created this guide to enable you to fix any Cash App pending payment that won’t get into Cash App balance, whether you are the sender or the recipient. Also included are the reasons your Cash App payment may be pending in the first place.

How to Accept Pending Payment on Cash App

How to Accept Pending Payment on Cash App

Here’s how to accept pending payments on Cash App manually:

  1. Open Cash App on your mobile device.
  2. Tap on the clock icon, located at the bottom right corner of the screen, to open the Activity tab.
  3. This will display a list of all pending transactions.
  4. Beside each pending payment, there will be a green “Accept” button.
  5. Tap “Accept” for each transaction to receive the money into your Cash App wallet.
  6. Upon clicking “Accept”, a confirmation dialog box will appear. Press “Confirm”.
  7. Finally, to finalize the pending payment on your Cash App, tap “Done”. Your action is complete.

Typically, it takes a few minutes for the pending amount to appear in your Cash App. However, consider 4-5 business days as a reasonable timeframe. The payment may arrive earlier, but it won’t take longer than 4-5 business days.

Why is a payment I received on Cash App pending?

Cash App not letting you receive money? If a payment you received and accepted is still pending, the following could be the reasons:

1. The payment has not yet been accepted

If a payment is still in “Pending” status, it indicates that the other party hasn’t accepted or processed the transfer, and you may have the option to cancel it. However, once the transaction has been cleared on your end, you won’t have that option.

Remember, this status doesn’t reflect whether the funds have been deducted from the source account, which can take a few business days, even if funds have been provisionally credited to the target account.

Always monitor your actual available balance to prevent your account from going into a negative state.

Note that Cash App pending may still be pending even if the recipient has accepted it. If they can verify that they accepted it but that it’s still pending, the problem is on their end. That could be other reasons explained below.

2. Account is unverified

If you’re a user with an unverified account, you’re limited to sending and receiving USD 1000 per month or USD 250 per week. If you try to exceed this limit, the Cash App may block the transaction or place the payment in the ‘Pending’ list. This can also cause a common problem like Cash App payment completed but not received.

3. Cash App connectivity issues

It appears that there may be some connectivity issues with the Cash App at present. There have been a few other recent posts regarding difficulties with sending/receiving. Cash App confirms that they’re having temporary “connection issues” so hopefully, this will be resolved as soon as connections are restored. Cash App typically shares updates via the Cash App status checker.

4. It’s a pre-authorization hold

If you accept a pending payment on Cash App but it is not added to your balance, it could be a pre-authorization hold. Sometimes, the funds are reimbursed within hours and Cash App does this check a ton recently, causing suspicious payments to pend for hours and up to days. If Cash App determines any suspicious activity, they can cancel the transaction, and reverse the funds to the sending Cash App balance or bank account.

5. Other reasons

The problem might be stemming from your side. If that’s the case, consider the following steps:

  • Ensure that your mobile device and the application are both upgraded to the latest versions.
  • Reboot your mobile device.
  • Forcefully close the app on your device and then log back in.
  • Uninstall the app, re-download it, and then log back in.

Should the issue continue even after implementing these steps, don’t hesitate to contact the support team for further assistance.

How long will Cash App be pending?

Traditionally, Cash App payments arrive instantly, but when pending, it can take longer depending on the factors behind the delayed delivery of funds into your account.

If the pending Cash App payment has not been accepted, accepting it should fund your balance instantly.

But if Cash App is currently down, give it 1-4 hours for the pending transaction to be credited to your balance.

If the pending transaction is due to suspicious activities, it depends on Cash App to release the funds. You might want to reach out to Cash App support for possible updates on the withheld funds.

Can you cancel a pending payment on Cash App?

If your Cash App payments haven’t been claimed by the recipient, you can cancel them. As soon as you cancel, your money will either instantly return to your Cash App balance or appear within 2-5 business days on your linked debit card.

What happens if someone doesn’t accept your Cash App payment?

In some cases, regarding pending payments on Cash App, if the recipient does not accept the payment, it will be returned to your Cash App balance or your linked bank account. Sometimes, it can take a few days like 3 days to receive the reversed funds.

How do I know if my Cash App payment was accepted?

You can always check the details of any sent or received Cash App payment by clicking the Activity Tab and selecting the specific transaction.

Every payment sent gets recorded in your Activity. To check your Activity and find a recent payment, just tap the Activity tab on your Cash App home screen. Then select the payment you want to check and review its status.

Fake Cash App pending payment — user beware

Cash App, like any platform, encounters its own set of problems, with fake Cash App pending payments being a major concern.

In such scenarios, a sender’s transaction displays as pending, leading you to believe that a fund transfer is underway. However, this might be a deceitful display, often carried out by con artists trying to trick you into believing that you’ve received funds that Cash App is about to release.

These scam artists often fabricate these phony pending payment screenshots as part of their ploy to convince a seller that payment for goods or services has been transferred and is merely awaiting Cash App’s clearance. The transaction appears as pending on their fabricated Cash App activity tab, but it won’t reflect on yours because they can’t manipulate your account.

Therefore, if a payment shows as pending on your Cash App, it typically indicates a problem, such as the need for additional verification. However, if it doesn’t appear on your Cash App, it’s highly likely that the sender never initiated the transfer, to begin with.

Read also: do you know what bank controls Cash App?

Conclusion — accept pending payment on Cash App

“Pending” status merely serves as an early notification that the transfer is in progress. Don’t fret, just be patient and wait for up to 5 business days.


Read alsoChime Vs Cash App Comparison

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Independant Industry Expert in Payments and the Digital Future of Money, Co-Editor of The PAYTECH Book, top Payments Lawyer and voted No. 1 in Payments Power 10 at #PayExpo What do I do? I solve the problem of moving payments firms into the new era of money. Traditional financial services businesses risk getting left behind as Generation Z leapfrogs the banks, opting instead for big techs, challengers, and social commerce propositions. Ignoring blockchain technology and the widening knowledge gap between the financial services and digital sectors puts businesses at risk of falling behind their competitors, compromising their competitive edge, and ultimately becoming redundant.
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