While sending money with mobile payment apps has become commonplace, things don't always go as planned. Sometimes you send a payment and it doesn't get where it's supposed to. Instead, you get a message that your transaction is “pending.”
What does that mean? And how do you fix the problem?
Start by checking your activity feed to see if your Cash App has recognized the problem and made recommendations for the steps you need to take to solve it. Next, find out where your money is. Has it been deducted from your Cash App account or your bank account? This will help in locating the source of the problem that is leading to the pending status.
If you don’t see a solution, look for the possible causes for a delay in payment and see what you can do about it.
In this case, the problem is not on your end but a problem with the Cash App servers. These servers have had a history of going down in the past, resulting in system outages. You can find out if this is the problem by checking the Cash Apps Status page or logging into their Twitter feed. Their Twitter account usually stays up to date with any changes to terms of service and any current problems with their systems.
Not Enough Funds Available
Your Cash App account may not have enough funds in it. If this is the case, check to make sure your linked debit card or bank account has enough funds. Also check to make sure that your debit or credit card is valid and has not expired.
If you have recently had a disputed charge on your debit or credit card, it's possible that you may have received a new card with a different account number and expiration date. If this has happened, you will need to enter the new card information into your Cash App linked accounts.
Payment Amount Exceeds Limits
If Cash App has not verified your identity, you are limited to sending $250 in a week and receiving $1,000 in a month. Did your pending payment exceed the limits?
If so, you can increase these limits by verifying your identity. Business Insider reports that after verification Cash App will increase your sending limit up to $7,500 with an unlimited receiving amount.
Weak Internet or Wi-Fi Connection
A weak signal can interrupt the transmission of data and lead to a pending status. Check to make sure you have a strong and consistent internet or Wi-Fi connection.
Out-of-Date Cash App Application
When was the last time you updated your Cash App software? Check for updates and refresh your smartphone.
Can You Cancel a Pending Payment?
Normally, you cannot cancel a payment after you have tapped "Send." However, if a payment is being shown as pending, you can log into your Cash App profile, locate the questionable pending payment and see if the cancel option is available. If the cancel option is not available, you should not try to enter or resend a new payment as this could create a double withdrawal from your account when the problem is solved.
Contact Customer Support
If none of these causes is the problem, you will have to contact Cash App customer support. Unfortunately, Cash App does not have a phone number that you can call to reach a live customer service representative. You will have to send an email describing the problem and wait for their response.
James Woodruff has been a management consultant to more than 1,000 small businesses. As a senior management consultant and owner, he used his technical expertise to conduct an analysis of a company's operational, financial and business management issues. James has been writing business and finance related topics for work.chron, bizfluent.com, smallbusiness.chron.com and e-commerce websites since 2007. He graduated from Georgia Tech with a Bachelor of Mechanical Engineering and received an MBA from Columbia University.