If you've been trying to send money to friends and family, you've probably been experiencing problems with your Zelle payment. It can be very frustrating to be stuck in a loop and unable to make a transfer. The good news is that you can cancel it if a Zelle payment is pending. But before this, it is important to find out why Zelle payment is pending.
In this blog, you will understand why Zelle says the payment is pending. Moreover, you will also learn some troubleshooting tips to fix these issues.
Why does my Zelle say pending?
Sometimes you will get a message saying, "Your Zelle payment is 'pending'." This may be because you haven't registered the recipient's email or phone number. In other cases, the issue could be related to a 'pending' transaction that you already initiated. This will make it difficult to cancel the transaction and avoid a delay in the payment. Here are some possible reasons behind Zelle payment pending issues:
You may be paying someone from another account that isn't enrolled in Zelle in the first case.
The recipient's account is the second cause of your payment's pending status. This can happen if your recipient hasn't enrolled yet in Zelle.
If you've sent a Zelle payment to a non-Zellered recipient, you'll receive a notification asking to enrol. After your recipient enrols, the money will move directly to their account.
If you still can't see the money, check that your recipient hasn't enrolled in the service or has entered the incorrect information.
You can also check whether the recipient's email address or mobile number is correct. If it's the latter, you can connect them with your bank account.
You can also use Zelle with your financial institution's online banking or mobile app.
In some rare cases, Zelle will block a recipient's account, even if it is not. This happens when it has been reported or accessed in the past or when the account has been accessed.
In rare cases, your payments are delayed due to the bank transfer. It's very rare for a bank to block a Zelle payment, but it can block it.
In such cases, your payments will generally settle the next business day. If they are on Zelle, you can contact them to confirm whether your information is correct and the problem is resolved. It is also possible for your payments to be stalled' when they're stalled' in your account.
How to fix if the Zelle payment is pending?
Following are the steps that you need to take to fix Zelle payment pending issues:
To resolve a Zelle payment pending, you must have a working internet connection. If you don't have an internet connection, your payments may take seven to 14 days.
If you've entered the correct details, the problem could be on the platform's end.
If the problem persists, you can also try contacting customer service to have a refund issued. If the problem persists for more than seven or 14 days, you can ask for a refund.
Check the details of the recipient. If you've entered the recipient's information incorrectly, you can accidentally transfer money to the wrong person.
To prevent this, check the recipient's name and account number.
Once you've double-checked their details, you can request a refund for the amount transferred.
However, it's important to note that if a Zelle payment is cancelled, you'll need to call Zelle customer service to get a full refund.
How to cancel a pending Zelle payment?
You may wonder how to cancel a pending Zelle payment. The problem is that Zelle payments are sent directly to the recipient's bank account, so you can't change or reverse the transaction once it has been initiated. However, you can ask the recipient to return the money and send it back to you. Once payment is cancelled, you will receive a notification from Zelle.
To cancel a pending Zelle payment, follow the steps mentioned below:
Log into your account and navigate to the 'Activity' tab.
Click the 'Stop Payment' tab.
Then, select the 'Cancel Payment' button.
You will be notified via text message that the transaction was cancelled. Unlike a cancelled check, you will not be charged any cancellation fees.
To cancel a pending Zelle payment after it has been initiated, go to the 'Payment' tab and select 'Cancel'.