Apple Pay is a ground-breaking way for iOS users to make payments using their phones. As no additional cards or information is needed, using the iOS platform to make payments is simple. However, occasionally there are technological problems that cause items to not respond. For instance, Apple Pay did not accept the payment you made. How to Fix Apple Pay Pending issue.

Users of Apple Inc.’s mobile payment service, Apple Pay, are able to make payments both online and through iOS apps. iPhone, iPad, Apple Watch, and Mac. Apple Pay makes use of a device-specific number and a special transaction code. The seller does not know your card number when an Apple user makes the payment, so the purchase or transaction remains private. 

One of the most widely used digital wallets worldwide is Apple Pay. Given the enormous number of users on the site, it’s not uncommon for some to occasionally suffer issues. One of these is when your payment is in pending status for unclear reasons.

Considering that transactions are now completed with a single click, a user may occasionally be unsure of how to resolve Apple Pay Pending. When the user or receiver on the other end of the transaction declines the offer to take the payment, this circumstance occurs. I’ll explain how to fix Apple Pay Pending in this article, but let’s first look at why it says that.

Let’s investigate its root causes and potential solutions.

Here’s How to Fix Apple Pay Pending Payment:

One of the most common reasons why your Apple Pay transaction remains in pending status is because the recipient of the money you just sent hasn’t accepted it yet.

Apple Pay has two settings when it comes to accepting payments: Automatically Accept Payments and Manually Accept Payments.

If the recipient has chosen to Manually Accept Payments, then they would first have to do just that in order for the transaction to be completed.

In this case, you would just have to inform them to accept it, and perhaps suggest for them to enable “Automatically Accept Payments” to avoid similar events in the future and to ensure smoother, faster transactions. 

The steps to change the payment settings are as follows:

• Lauch your Apple Wallet app
• Tap your Apple Cash Card
• Tap the “More” button
• Tap either “Automatically Accept Payments” or “Manually Accept Payments”

Why Is an Apple Pay Payment Pending?

Aside from the reason stated above, pending payment in Apple Pay may also be caused by a few other things. One of them is when the money appears to have been deducted from your account but is yet to be received by the other party.

Remember that depending on your bank, it may take 1-3 business (sometimes longer) for a payment to clear. 

Another reason, specifically if you’re using a credit card, is a holding charge. A hold is an amount charged to your card when you pay for something that doesn’t have a set total.

It allows the merchant to check whether or not you have enough funds available for your purchase. This is required by card networks including American Express, Visa, or Mastercard for certain purchases. This is also a message that appears as “Pre-authorization” in Apple Pay. 

In these cases, you just really have to wait as your transaction would eventually complete itself. Regular bank time frames still do apply so it’s good to practice the same amount of patience you do with your regular bank transactions. 

Should other issues arise, you always have the option of getting in touch with either your bank or Apple Support to figure things out. 

How Long Does an Apple Pay Payment Stay Pending?

Typically, a pending transaction only takes 1-3 business days to clear, and this is the case for a majority of them. Of course, this is assuming that there are no other issues or glitches, or if your transaction doesn’t fall during a bank holiday. Otherwise, it may take longer.

Some users have reported anywhere from 3 days to a few weeks. If it takes longer than a week, however, you may want to check with your bank to find out what exactly is causing the delay and work with them to find a resolution. 

How Can You Accept a Pending Apple Pay Payment?

If the pending status is due to the payment not being accepted by the recipient, you have to inform them and instruct them to accept it from their end.

Tell them to follow these instructions:

• Launch Apple Wallet
• Tap on your Apple Pay Cash Card to access your transaction history
• Tap on “Transactions”, which can be found below the Apple Pay Cash Card button
• Look for any pending transactions, and then tap on “Accept”

It’s that simple. It’s easier for someone more tech-savvy to figure it out themselves without you having to teach them.  

Can You Cancel a Pending Apple Pay Payment?

An Apple Pay Payment can be canceled as long as the recipient has yet to accept it. 

Here are the steps on how to cancel it:

• Launch your Apple Pay Wallet app
• Tap on your Apple Pay Cash Card
• Tap “Transactions” below Apple Pay Cash Card
• Locate the specific payment you wish to cancel and then tap on it
• Tap “Cancel Payment”

Please note that if the receiving party has accepted the payment, it can no longer be canceled. If there’s an issue, you’d have to settle that with the person, or get in touch with Apple if you’d like to dispute the charge. 

Why Does Apple Pay Say Pending?

If you are seeing Apple Pay Pending error, it’s nothing to worry about. Apple Pay completes a payment only once you send the money and the merchant or receiver accepts the money. So, when you send the payment amount, it will be deducted from your account. The amount will be reverted back to your account if the payment is pending for 1-3 days. You will receive the amount back in your around after 7 days.

One way for you to help with this issue is to set Apple Pay to receive payment automatically. You can set your Apple Pay to Automatic Mode. This way you won’t have to accept your payments manually every time. If one of your payments is pending, you can ask the person to accept the payment manually. But if you are unable to do it, you can simply cancel the pending payment. You won’t see the cancel pending payment option if your payment has been received.

How to Fix Apple Pay Pending on iPhone, Apple Watch, iPad & Mac?

In simple terms, Apple Pay Pending means that your transaction is incomplete. The receiver at the other end of the transaction has not accepted the request or invitation to receive money. In this case, your money gets deducted but not received by the person you are trying to transfer. Here, to fix Apple Pay Pending, follow the steps below as you need to accept the 

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Payment. Also, it takes 2-3 days to complete the process; else, you can cancel the payment and try later.

How to Cancel Payment on iPhone, Apple Watch, iPad & Mac

You can cancel the payment if you see Apple Pay Pending. Here are the steps;

1. Launch Apple Pay Wallet App on any of the above devices.

2. Now, tap on the Apple Pay Cash Card.

3. Just below Apple Pay Cash Card, transactions will appear; Click it. 

4. Your screen will display all messages that include the last transactions.

5. Now, tap Payment One Time

6. Tap again on the Payment tab.

7. Click on Cancel Payment.

8. If it does not show Cancel, it is an indication that your payment has been transferred.

2. Accept Pending Apple Pay on iPhone/Apple Watch/iPad/ Mac

Suppose you are on the receiver’s end of the transaction process and accept the payment. This is one of the solutions for how to fix Apple Pay Pending. Here are the steps:

1. Visit the App page on any of the devices mentioned above. 

2. Click on the Apple Pay Cash Card.

3. Below the Apple Pay Cash Card option, you will see the Transactions tab; click on it. 

4. Your screen will display all the latest transactions.

5. You will see pending transactions here.

6. To receive the payment, click on Accept.

7. Once you accept the transaction, the payment will be added to your Apple Pay Cash Balance.

8. The person on the other end of the transaction will also see that the transaction has been completed.

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Why and When Do I See Apple Pay Pending?

Apple pay pending appears if the transaction is not completed on the receiver’s end or there is some server default. Here are the possible reasons for Apple Pay Pending.

1. If the automatic payments option is enabled, the money will transfer will be done automatically. 

2. If the process has to be done manually, the sender will see Apple Pay Pending until the receiver accepts the payment.

3. This process usually takes a time of 2-3 days for the receiver to accept it manually. 

4.  Poor Internet Connection on either side of the transaction can be a cause of the delay.

5. In some cases, the bank rejects the transaction. You need to figure out the reason with your bank. 

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Conclusion

Money can be transferred and transacted online easily and comfortably. You can send or receive money with only one click.

The exchange of money is an easy process when it comes to Apple products and devices that are tied to Apple. However, occasionally Apple users notice Apple Pay Pending on their transaction page owing to technical issues or bank rules.

So, we have solved the query of how to fix Apple Pay Pending situation.