Typically, with Cash App, sent and received payments are generally available instantly. However, this isn’t always the case, so you will sometimes experience Cash App payment completed but not received.
This issue typically means that the transfer has been successfully initiated but can’t be fulfilled at the moment. Most times Cash App suggests you do nothing but wait for a couple of hours for it to resolve itself. As experts, we know that’s not really an option for you, and that’s why you’re here and will give you solutions to fix this problem.
Why is Cash App payment completed but not received?
Before we jump right into the ‘solution’ part, first we have to talk about some of the reasons for this problem. So we’d be listing and talking briefly about some of the reasons for the “Cash App payment completed but payment still pending” issue you’re facing.
1. Insufficient funds
Sometimes people make mistakes when they try to send money, which can cause a payment to be put on hold. It’s a good idea to double-check the amount you want to send.
If you enter a higher amount than what you have in your account, Cash App will keep the payment on hold until you have enough money. To avoid this, always check how much money you have in Cash App and send an amount that is equal to or less than that.
2. Bad internet connection
If your internet connection is slow or unstable, it can prevent your payment from going through, thus Cash App payment completed but not received. If your device loses connection during a transaction, your Cash App payment won’t be completed. To prevent this, always make sure you have a reliable internet connection before you start a transaction.
3. Server break down
Sometimes, the issue of a pending payment not being received is due to a problem with the servers. This means that the error is not your fault but rather a problem with the bank account or Cash App’s servers.
In this case, you have to wait for the issue to be resolved. If the bank’s servers are down, it may take a few days for your cash to arrive, even on business days. Server issues can be resolved in a few minutes, hours, or sometimes days.
If you’re unsure whether it’s a bank server error, you can contact your bank’s customer support services on Twitter or check on DownDetector.
4. Exceeded payment limit
Cash App has limits on how much you can send and receive. You can send up to $250 per week and receive up to $1000 per month. But, if you exceed these limits, you won’t be able to send or receive payments.
To increase these limits, you need to verify your account by providing your full name, date of birth, and the last four digits of your Social Security Number. If you’ve exceeded your account limit, you can either verify your account or wait for some time until the limit is reset.
If you make a mistake in entering the Cashtag or phone number of the person you want to send money to, the payment will fail or remain pending. So, always double-check the information you enter to make sure there are no mistakes to avoid Cash App payment completed but not received.
6. Expired debit or credit card
Another reason for a stuck payment is an expired debit or credit card. If you use an expired debit or credit card, the payment may not go through, and your bank may hold it until you update your card information. You can check the expiry date on the back of your card to see if it’s expired.
7. Suspicious activities
Cash App has measures in place to protect your account from fraud and spam. If they detect any suspicious activity, they may block or put a pending status on your payment until they verify it’s not fraudulent. This is done to keep your account safe.
8. Payment methods
They are basically two methods of depositing funds in Cash App; they include Standard Deposit and Instant Deposit. We’d talk more about these two later on. But what you need to know is that the deposit method you choose will determine how fast you get your money.
9. Anonymous sender
Cash App prioritizes the safety and security of your account, so to protect you, payments from unknown or anonymous senders are automatically put on hold. You can choose to accept these payments, but you do so at your own risk. So be careful who you choose to accept payments from. Also, make sure you’re not sending money to a closed Cash App account.
10. An outdated app
Believe it or not, your pending payment may be due to an outdated version of your Cash App. Application updates are made for a reason. So, it’s super important to keep your Cash App updated.
11. Cashing out on weekends
In cases where you transfer money from Cash App to your bank account on the weekend or a national holiday, it may take a few business days for the payment to be processed and reflected in your bank account.
This is because most banks are often closed or operate with less staff during weekends and holidays, which can cause delays in processing your payment. So, if you encountered Cash App payment completed but not received problem on the weekend, it can take until the next business day to be resolved.
What to do when Cash App payment completed but not received
The best solution to this kind of problem is to contact customer support.
There are two types of deposit methods in Cash App: standard and instant. The standard deposits are free and take 2-3 business days. Instant deposits, on the other hand, require your debit card, cost 1.5% per deposit, and are instant.
Now, if you or the sender didn’t choose the instant deposit method after your payment is completed and marked as pending, your funds won’t arrive instantly. It will take 2-3 or more working days to reach your bank account.
With that being said, the fact is that many users have reported the “Cash app says completed but not in bank” issue in the past, and almost all of these issues get resolved sooner or later without any action needed from the user.
So, if your Cash App payment is pending, it’s best to be patient and wait for a while before taking any further steps.
What we recommend you do is to-
- If you’re the sender, check the status of the payment to make sure there are no issues from your end so you can determine what’s going on. Look at the next subtopic to learn how to do this.
- If you’re the recipient, then reach out to the sender to get more info about what’s going on.
- If you’re both sure there are no problems from either end, then just sit and wait a while (2-3 days max) as Cash App is likely to resolve the issue.
However, if you feel it’s taking too long to show up in your bank and further action is necessary, you can get in touch with Cash App’s customer support. Look for the “Support” or “Help” option in the app’s menu or settings. Or reach out to Cash App’s customer support @Cashappsupport on Twitter.
How to check Cash App payments
1. Check your payment status
Before you go on rambling about missing funds, you need to be double-sure of the actual status of a transaction. Here’s how to do that-
- Open the Cash App: Start by opening the Cash App on your phone or tablet. Make sure you have a good internet connection.
- Log in to your Account: Enter your phone number or email and your Cash App PIN or use your fingerprint or face to log in to your account.
- Go to Activity: Look for the “Activity” tab at the bottom of the app. Tap on it to see your transaction history.
- Find the Payment: Scroll through the list of transactions to find the specific payment you want to check. The most recent transactions will be at the top.
- Check the Status: When you find the payment, you’ll see its status next to it. It will say either “Pending,” “Completed,” or “Failed.”
- Pending: If it’s pending, it means the payment is still being processed and hasn’t gone through yet. It may take some time to complete, especially if there are any issues or delays.
- Completed: Completed means the payment was successful, and the recipient has received the money.
- Failed: This means the payment didn’t go through. This could be due to reasons like not having enough money, entering the wrong recipient, or technical problems.
To get some more information about the payment, you can tap on it. This will show you the date, time, recipient details, and any notes you added.
2. Unclaimed or missing payments
Another thing is that sometimes, payments may appear to be missing, but they could have been sent to other email addresses or phone numbers linked to you. You can locate these payments through the following steps:
- Open your Cash App and go to your profile icon on the home screen.
- Select “Personal”.
- Add any missing phone numbers or email addresses.
How long does it take for Cash App to complete a transaction?
Cash App is a fast way to send and receive money. The average time needed to complete a transaction depends on the type of transaction in question and the options you choose. Let’s explain better:
When you make a purchase for instance, it usually takes around five minutes to complete, but it can vary based on the size and complexity of the purchase.
If you’re sending money to another Cash App account, the payment is instant. However, when it comes to depositing funds in Cash App, there are two ways to do this. As mentioned earlier on in the article, the first is the Standard Deposit, which is free but takes a few working days for the funds to arrive. The second is the Instant Deposit, which is instant like it’s named, but charges a fee of 1.5% for every deposit.
Similar to making a deposit, when you want to withdraw money from Cash App account to your bank account or card, the time it takes depends on the withdrawal option you choose. The Standard withdrawal takes one to three business days to process. On the other hand, the Instant withdrawal sends the money to your bank account right away.
How do I know if someone received my Cash App payment?
The easiest way to check if someone has received your payment on Cash App is to look at your Cash App activity. Open the Cash App on your phone and tap the clock icon in the bottom-right corner.
This will show you a list of your recent transactions. If your payment went through successfully, you’ll see a green checkmark next to it in the activity list. Another option is to simply ask the person you sent the payment to if they received it.
Can a completed Cash App payment be Cancelled?
No, once a payment is completed on Cash App, it cannot be canceled or refunded. But if you accidentally sent money to the wrong account, you can try asking the person who received it to give you a refund.
Nonetheless, here’s what you can do, since there’s no telling you might just get lucky:
- Open Cash App on your phone and go to the home screen.
- Tap on the “Activity” tab.
- Find the payment you want to address and tap on it.
- Then, tap on the “Completed” option.
- Look for the “Report an Issue” button and tap on it.
- Choose a reason for your request and tap “Next” to submit it.
If it has been more than 30 days since you made the payment, the process is slightly different:
- On your Cash App home screen, enter the amount of the transaction.
- Tap on the “Request” button.
- Fill in the recipient’s information in the “To” and “For” fields.
- Tap “Request” again to complete the request.
To avoid instances such as this, here are a few things you need to keep in mind:
- Only send money to people you know and trust.
- Before sending any payment, make sure you check and confirm the recipient’s name.
- Pay attention to the spelling of $Cashtags to avoid mistakes.
- Double-check the recipient’s phone number or email for any typing errors.
Why is my Cash App work payment pending?
This could be due to an issue with Cash App or your employer. So check the status of the payment in your Cash App, then contact the payroll department where you work and also contact Cash App’s support to resolve things.
How do I accept pending payments on Cash App?
To accept pending payments on Cash App, open the app, go to the “Activity” tab, and tap the pending payment. Within the transaction details, you should see an “Accept” or “Accept Payment” option. Review the details, and select the “Accept” or “Confirm” option to confirm.
It’s been a long read, but we’re sure it’s worth it for you. As you can now see, the “Cash App payment completed but not received” problem isn’t peculiar to you, and neither is it much of a chore to deal with. Most times taking a minute or two to check out the reason for your problem, making sure you’re not having any issues from your end, and just waiting out for a while (patience) is all you need to solve your problem. If you are not getting it right, you can always contact Cash App’s customer support.