Have you ever found yourself eagerly waiting for a payment to go through on Zelle, only to be met with the frustrating “pending review” status? If so, you’re not alone. The “pending review” status that might appear while sending or receiving money using Zelle is one problem that customers often encounter.
Many Zelle users have experienced this delay and wondered just how long it will take for their payment to be approved. In this article, I’ll be explaining the reasons why Zelle transactions may be placed under pending review, how long does Zelle pending review take, and what users can do to avoid delays in the future.
Why Is Your Transaction Under Zelle Pending Review?
- Insufficient Funds
If you don’t have enough money in your bank account to cover your payment, Zelle will flag the transaction as Payment Pending. If there isn’t enough money in your account to cover the payment, Zelle will ultimately cancel the transaction.
- Incorrect Recipient Information
If you entered incorrect recipient information, your payment might be pending. Double-check the recipient’s U.S. mobile phone number or email address to make sure you entered the correct information. You must cancel the payment and start a new one with the correct details if you submitted the incorrect details.
- Unenrolled Recipient
If the recipient hasn’t enrolled in Zelle, they won’t be able to receive your payment. Make sure the recipient has signed up for Zelle and has linked their bank account to their Zelle account. They must enroll if they haven’t already in order to get your money.
- Suspicious Activity
Zelle may flag your transaction if it appears to be suspicious. This may apply to transactions that are bigger than normal or that are being sent for the first time to a new recipient. If your transaction is flagged, Zelle may put it under review to ensure that it’s legitimate.
- Network Issues
Zelle transactions may be delayed due to network issues. If Zelle’s servers are experiencing high traffic or if there are network outages, your transaction may be delayed. You’ll only have to wait till the network problems are fixed in this scenario before your transaction is finalized.
Read: How to Make Money as an Attractive Female
How Long Does Zelle Pending Review Take?
When using Zelle to transmit money, it’s possible that the receiver won’t be able to access the cash right away. It usually just takes a few minutes for the payment to be processed. It could take longer, though, depending on the situation. The time it takes for a review to be completed varies depending on the bank you use.
You will notify the recipient of the payment even if they haven’t signed up for Zelle yet. Once they join Zelle, they should be able to access the money within a few minutes.
Remember that if a payment is pending or being reviewed, it will be automatically canceled after 14 days. But if you notice any obvious problems with a payment, you can cancel it yourself instead of waiting for two weeks.
Factors Influencing Zelle Pending Review Time
- Amount of the Transaction
One of the most significant factors that can influence the Zelle pending review time is the amount of the transaction. According to Zelle, transactions over $500 may take up to five business days to review. Transactions under $500 may be reviewed more quickly, typically within one to three business days.
- Time of Day
The time of day that you send or request a payment can also impact how long it takes for Zelle to complete the review process. If you send or request a payment outside of normal business hours, it may take longer for Zelle to review the transaction. Typically, Zelle handles transactions from Monday through Friday from 9:00 AM to 5:00 PM Eastern Time during regular business hours.
- New User Status
It can take longer for your transaction to be approved if you are a new Zelle user. Zelle may need to verify your identity and account information before allowing you to send or receive payments. If you’re a new user of Zelle, you need to have patience since this verification process might take some time.
- Incorrect Information
If you provide incorrect information when sending or requesting a payment, it can also delay the review process. For example, if you enter the wrong email address or phone number for the recipient, Zelle may need to investigate the transaction further before completing it. Double-check all of the information you provide when sending or requesting a payment to avoid unnecessary delays.
- Bank Processing Time
Finally, the processing time of your bank can also impact the Zelle pending review time. If your bank takes longer to process transactions, it may take longer for Zelle to complete the review process. Be aware of your bank’s processing times and plan accordingly when sending or requesting payments through Zelle.
Read: Where Can I Sell Pictures of My Body for Money
How to Check Zelle Pending Review Status
- Log in to your bank’s online or mobile service or open the Zelle app on your phone.
- Navigate to the payment activity section.
- Find the payment in question and check the payment status.
Frequently Asked Questions
How Do I Cancel a Pending Review on Zelle?
By logging into your Zelle account, browsing to your transaction history, selecting the transaction you wish to cancel, and clicking the “Cancel” option, you can cancel a Zelle transaction even if it has to be reviewed.
Remember that you can only cancel a Zelle transaction that is still pending review. A transaction cannot be canceled once it has received approval and money has been transferred. Additionally, it can take a few days for the money from a transaction you want to cancel to be credited back to your account if it is still being reviewed.
Conclusion on How Long Does Zelle Pending Review Take?
The time it takes to review and approve a Zelle transfer will depend on a number of factors, including the transfer amount, the bank of the beneficiary, and the time of day it was initiated. However, most Zelle transfers are reviewed and approved within minutes, making it a convenient and efficient way to send money to friends and family.