[Fix] Zelle payment not showing up (8 Reasons)

Are you someone having issues with the funds in your Zelle account?

Are you having Zelle ‘payment not showing up’ issue with your transactions?

Well, if you nodded in affirmation, you are at the very right place.

And we will be helping you out. As here, we will be mentioning all the reasons along with a guide to fix the problem.

We have tried our best to keep things simple so that users can implement and fix the issue on their own.

Why is Zelle payment not showing up

There can be many reasons for this particular issue. Your Zelle payment is not showing up because the sender transaction is pending; there can be issues in your bank server, sometimes Zelle services might face an outage in some areas. Zelle users must check if they are not making any typing errors while entering account details.

Below, we will be talking about all the reasons for Zelle payment not showing up in detail. So, if you want to know more about the issue, check out the details mentioned below.

And if you need help to fix the ‘Zelle money not showing up’ issue, you can check out the guide in the second part of this post.

Zelle Logo

1. Transaction not Initiated by Sender

A lot of users ask about the payment issue without checking the most common issue. Most of the time, the person on the other side doesn’t even initiate the transaction.

There can be any reason for that. The sender might be having technical issues in sending the payment. So, before you panic, you must check if the sender has sent the payment.

2. Incorrect Account Login Credentials

To create an account on Zelle, you are asked for your email address and US phone number. And the same can be used to login into the Zelle account.

What happens when you log in to a different Zelle account? That’s one of the major reasons why a lot of users face Zelle money not showing up issue.

You need to use the same Zelle account, which is associated with your primary bank account. So, make sure you are using the correct Zelle account.

If the sender sends you the payment on a different Zelle account, the payment will be deposited to the banks associated with it.

3. Account flagged by Zelle

Next, we have a rarely occurring event, that is, the account flag issue. As a payment processing app, Zelle has made some rules to protect other users from any kind of fraud or scam.

And in case the company found your account to be involved in any kind of suspicious activity, the Zelle team will flag your account.

That’s the reason why your Zelle payment is not showing up even if the sender has initiated the payment on his end.

4. Payment on hold by Bank

Another reason why Zelle payment is not showing up is that the payment is on hold by the bank.

Most of the time, banks hold the payment to validate the transaction made to you by the other person. So, no need to worry about that. You just need to wait for the confirmation email from the bank.

In some cases, banks hold payments if they detect any suspicious activity. They might be doing a routine check; you need to be patient in that case.

5. Payment is pending

There is a possibility that you face the Zelle money not showing up the issue even after there are no problems at your end.

Sometimes, the sender might be seeing a pending status on their payment app. There are many reasons why pending payments happen.

We have a dedicated post on the same, where we have mentioned all possible reasons for the issue and a guide to fix it. Follow this link for more details.

6. No Bank Linked

Zelle acts as an intermediate between the users and their banks. With the help of Zelle, you can send payment through your banks to anyone.

You do not have to enter the bank details of another person. You can simply use Zelle ID to make payments.

Zelle doesn’t let you hold payments; actually, there is no feature to hold payments like Cash AppVenmo allows you to hold money only if you own a Venmo card.

So, make sure you have your bank account linked with your Zelle account. You can download the Zelle app or activate Zelle on your banking app.

7. Issues with the bank server

Well, if you have made sure that the reasons mentioned above in the list are not causing the Zelle ‘transfer not showing’ issue. Then there is a possibility that the problem is on the other side.

A lot of times, the bank servers shows the problem and cause issues. This affects online transaction services majorly. And if someone sent money to you in this downtime period, you might face issues.

server issues

8. Internet Issues

One of the many common reasons for the occurring of any major problem in an online transaction is the unavailability of an internet connection.

And in case you do not have access to a stable internet, you might not see the money in reflected in your bank account even if you have already received it.

MUST READ: Zelle Not Working: Here are 6 Ways to Fix it

How to fix Zelle payment not showing up

Now that you know all the possible reasons for the Zelle payment not showing up, it is time to learn how to fix the problem.

Check out the next part of this post for a step-by-step guide on how to fix Zelle ‘payment not showing up’ issue.

1. Re-Login to your Banking App

The very first and the most basic fix for the Zelle payment issue is to re-login to the Zelle in your bank’s mobile app.

Enter the details of the account carefully, and you will be able to see the payment reflected in your bank account.

2. Re-install the app

Sometimes, the app installed on your mobile might be causing issues. And the good thing is you can get it fixed very easily.

You just need to re-install the app on your device. This will make sure that you install the latest version of the app on your device.

Login again with your details, and you will be good to go.

3. Link another Bank or Card

The current bank you have added on your Zelle might be facing a service outage and technical issues. And you will be able to reaccess the bank account only when the servers come online.

And in case you need the money from the sender immediately, you will have to do one thing. Link another bank or card on your Zelle.

If everything goes well, you will be able to get the money in your bank right away.


4. Contact bank support

Sometimes, your bank might be causing some issues. So, first of all, make sure that bank services are working as intended. If the bank servers are down, you won’t be able to receive funds through the online platform.

You can check the official social media handles of your bank. You might see reports by other users facing the same issues, and sometimes banks posts about the outage themselves.

In that case, you will have to wait till the servers come online.
But, if the online servers are working fine, you will have to contact the bank and mention the issues you are facing. Describe the exact issue, and be ready with your account number before you ring them.

Also, users must only contact the bank using the official contact number. The number can be found on the official website. And in case you face any kind of issues, we suggest reaching out to the official Twitter account of the associated bank.

5. Contact Zelle support

If contacting the bank doesn’t help. You must try contacting the Zelle support team.

You can either reach out to the team on their official Twitter account or use the official customer service number. According to Wikipedia, Zelle customer service number is  00 1 501-748-8506.

Attention – Zelle would never call you for any kind of support or offers. You must report or ignore calls like these. You might lose your hard-earned money to online scams.


6. New Zelle account

Well, if you tried everything and are still unable to make any payments, then you have just one last option left. But, make sure you have tried and tested everything before you move on with this last step.

If nothing works, we would suggest you make a new Zelle account. Chances are, you have been banned by Zelle, and you won’t be able to make payments again with the account.

Create a new Zelle account and link it with your bank. And make sure to unlink the account from your previous Zelle account.

And we are pretty sure you will be able to make payments again, like old days.

We have one more suggestion for you. Make your account history healthy by making frequent transactions using Zelle. Your account will be flagged for suspicious activities if you happen to make a significant transaction after months of no activity on the platform.


1. Why is Zelle transfer not showing up?

Zelle transfer is not showing up because there might be issues with the bank services or Zelle servers. Well, if both the services are up and running, there might be issues on the sender’s side. There are many reasons why their payments might be pending.

Final Words

And that’s all you need to know about the Zelle ‘payment not showing up’ issues.

In the very first part of this post, we mentioned all the possible reasons that might be causing the payment issue in Zelle.

And in the second part, you learned how to fix Zelle ‘money not showing up’ issue.

We suggest contacting the bank and Zelle only after trying and implementing all the fixes we mentioned in the post.

Further Reading:

“I sent money to the wrong person on Zelle” – What to do?

Why is my Zelle Account Suspended

Why did my Zelle payment fail? What happens next?

Why is my Zelle payment pending [Fix Guide]