Why Do Payments Stay Pending and How Can They Be Resolved?
Pending payments can create confusion and interrupt service access. If you are encountering this issue, understanding what a pending payment means and how to resolve it is essential. Below, we explain common causes for pending payments and provide steps for resolving them effectively.
What Does a Pending Payment Mean?
A payment marked as "pending" indicates that the transaction is incomplete and still in the process of being finalized. This status is often associated with specific payment methods, particularly ACH bank transfers, which can take additional time to clear due to bank verification processes. Pending payments may also arise from authentication requirements specific to credit or debit card transactions.
Common Causes of Pending Payments
1. 3D Secure (3DS) Authentication Required
When credit or debit card transactions require 3D Secure authentication, your payment remains pending until the verification process is completed. This may involve:
A verification popup displayed at the time of payment submission.
An email sent for completing authentication, especially if the payment was initiated on your behalf by a third party (e.g., an organization or platform like Core). Failing to complete this step keeps the payment pending and may result in restricted access.
2. ACH Payment Verification
For ACH bank transfers, the payment may remain pending due to the bank’s verification process. This is especially common for first-time ACH transactions. Settlement can take several business days—commonly about a week—after the payer has confirmed the transaction with their bank. If verification fails, the process must be restarted.
3. Email Confirmation Required
In some cases, payments remain pending because they require the payer to confirm the transaction through an email link. Until the confirmation is completed, the payment cannot be finalized.
How to Resolve Pending Payments
Step 1: Complete 3D Secure Authentication
If the payment requires 3D Secure authentication:
Look for a verification popup that may have appeared during the payment process.
Check your email inbox for a message prompting you to verify the transaction and follow the provided instructions.
Step 2: Verify ACH Bank Transfers
If your payment method is ACH:
Contact your bank to confirm the transaction.
Wait for the settlement period, typically up to a week, and monitor the status in your account.
If verification fails, resubmit the payment and follow the bank’s instructions to ensure successful processing.
Step 3: Complete Email Confirmations
If required, locate the email sent to you for transaction confirmation. Click the link in the email and follow any additional instructions listed.
Best Practices for Payment Completion
Ensure Accurate Associated Information: Make sure your email address or bank details are up-to-date to receive verification prompts.
Monitor Payment Notifications: Regularly check both email and payment accounts for any pending verification requirements.
Act Promptly: Delay in completing tasks like email confirmation or verification can prolong pending status, so act quickly when notified.
By following these steps, you can address and resolve pending payment issues, ensuring uninterrupted service access across platforms like PushPress.