How long does Apple Pay stay pending?

Apple Pay has continually increased as a payment method in recent years due to its ease of use, making for a quick checkout process.

But when you use Apple Pay for transactions, whether it’s for online shopping or at a physical store, there might be instances where your payment is marked as “pending”.

This status obviously indicates that the transaction is not yet fully processed. But how long will it be until this message is gone, and what can you do to get the payment to go through properly?

How Long Before Pending is Resolved with Apple Pay?

In most cases, a pending Apple Pay transaction will be resolved within a few days – as long as you’ve set up Apple Pay properly.

However, it’s not uncommon for transactions to take up to a week to clear, especially if they involve larger amounts or international transfers.

It all depends on what the actual cause of your pending payment is. There are various reasons why this may happen, including;

  1. Bank Processing Time: Sometimes the delay is due to the processing time required by the bank. While Apple Pay itself processes payments quickly, banks may take additional time to complete the transaction.

  2. Network Issues: If there was a network issue at the time of transaction, it could cause the payment to be stuck in pending. This could be due to poor internet connectivity or issues with the bank’s servers.

  3. Verification Delays: For security reasons, some payments may require additional verification by the bank or credit card issuer, which can delay the transaction.

  4. Insufficient Funds: If there are insufficient funds in your account or if your credit limit has been reached, the payment might not go through immediately.

  5. Transaction Limits: Banks and credit card issuers often have transaction limits. If your payment exceeds these limits, it may be held pending until it can be reviewed.

  6. Technical Glitches: Occasionally, technical issues either with Apple Pay or your banking institution can cause payments to be delayed.

  7. Merchant Processing: The issue might also be on the merchant’s end. Some merchants may take longer to process payments, which can result in a pending status.

  8. Fraud Prevention: Sometimes, payments are held pending as a precaution against fraudulent transactions. This usually happens if the transaction pattern is unusual or flags any security concern.

As you can see, there’s a wide array of reasons why this can occur. The most likely reasons are bank processing times and verification delays, which usually resolve themselves after a period of times (again, this is typically a few days).

If it’s your internet, making sure that you’re connected to a reliable Wi-Fi connection or you’ve got mobile data is important. If you don’t have this, you may see that it’s pending until you go online again.

You can easily check the status of a transaction through the Wallet app on your Apple device. This app provides real-time updates on all your Apple Pay transactions, including those that are pending.

In most cases, there’s no need for you to reach out to your bank. But, if a transaction remains pending for more than a week, it might be a good idea to contact your bank or financial institution.

They can provide specific information about the delay and help expedite the process if necessary.


The pending status in Apple Pay is a normal part of the transaction process, but understanding the factors that influence its duration can help in managing your finances more effectively. Remember, if in doubt, your bank or financial institution is your best resource for assistance.



Full-time writer, Apple fanboy and macOS supremacist. Currently running: 16" Macbook Pro w/ 64GB RAM & M1 Max. Already wants to upgrade to the M3 😫😭

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