Does Zelle shows your payment – ‘processing’?
Are you finding it hard to proceed with payment on Zelle? Fret not. Here, you will find all answers to the question.
We are going to include all possible details along with a way to fix them.
So, without any further delay, let us dive right into the details.
Table of Contents
Why is my Zelle payment processing
Your Zelle payment is processing because the transaction you initiated on your end hasn’t reached the user. There can be many reasons, sometimes problems in your app or device result in payment processing. Whereas, sometimes there can be issues with the bank services.
Zelle is a popular app that works on ACH transfer. It allows users to transfer money from one bank to another without entering the details of other’s accounts again and again. Zelle can be used both as an integrated feature in partner banking apps and as a standalone app.
Well, if you are looking for the reasons, we have mentioned all of them along with the ways to fix, their explanation, and additional details, below.
Fix: Zelle payment processing
Let us talk about the Zelle payment processing issue in detail. Here, we will mention not only all possible reasons for the problem, but also provide the ways to fix it.
You can try implementing the fix on your own. And if you need any further assistance, you can let us know in the comments section below.
#1 Incorrect Details
The first and most common issue that triggers the Zelle payment pending issue is submitting incorrect details.
To proceed with the payment through Zelle, you will need to enter the registered mobile number or email address associated with the Zelle account.
But what if you are entering the wrong email address or mobile number? Well, in this case, your payment won’t be proceeded, or you will face the Zelle payment processing issue.
Sometimes, users submit the details of a Zelle account that are no longer associated with the Zelle account. This is undoubtedly a reason which shows Zelle’s payment processing.
Fix – Always enter the correct details of the user to whom you want to send the payments. Review the details before confirming the transaction.
#2 User not registered on Zelle
In the previous point, we mentioned how users enter wrong details while submitting the Zelle username. And sometimes, the user, to whom you are trying to send the payment, might have changed the registered details or deleted the Zelle account.
And if you have sent the amount to the invalid or deleted account, you will see a Zelle payment processing issue.
Fix – Fret not; the user who has deleted the account has got 14 days to re-create the account and claim the payment. And after the period of 14 days, the money will be returned to you if the user doesn’t accept the payment.
If you want, you can cancel the transaction in between if the user hasn’t created the account back.
#3 ACH transfers take time
As you already know that Zelle works a bit differently from the wire-transfer payments app. Transactions made on Zelle are only transferred between the banks. And in ACH transfers, the funds take time to process and reflect the user’s account.
According to the official statement by Zelle, ACH transfers take around 2 to 3 business days to process and finally reach the recipient’s bank account.
Fix – You will need to wait for at most three days till the funds reach their destination. And if you initiated the transaction on a weekend or national holiday, the transfer of the funds will take more time.
Zelle processes payments only on business days. So, wait for some time before taking any major action.
ALSO SEE: Does Zelle work on Weekends
#4 Sending funds to a flagged account
Sometimes, the reason why you see the Zelle payment processing issue is you are trying to send the funds to a flagged account.
Zelle, as a payment processing platform, takes utmost care of the secured transaction. And that is why Zelle keeps an eye on the account activity.
That’s why Zelle won’t let you transfer the money to a flagged account to protect you from any inconvenience.
Fix – There is no particular fix for the issue, but if you think the person on the other side has not violated any guidelines, and you are confident about it, you can ask the person to contact the Zelle support team.
Sometimes, Zelle automatic systems block the accounts mistakenly. Your friend might have been flagged by mistake.
#5 Bank is facing outage
Talking about another common issue, sometimes your bank might have issues with the services. As you already know, fund transfers through Zelle are made online.
But what if the bank fails to provide online money transfer services.
Well, this happens a lot of times. Your bank might be having issues with the servers. And if you initiated a transaction in this period, you will get the Zelle payment processing issue.
Fix – Although you cannot fix the issue, there is a way to keep track of the outage. You can visit Downdetector.com and there search for the reports related to your bank.
You can track the bank servers on the bank’s official Twitter account as well. Banks posts the latest updates on their social media platforms. Keep an eye.
#6 Zelle servers are having issues
Like your bank, sometimes Zelle services might show issues, and you will see Zelle’s payment processing problem.
Fix – Again, there is nothing you can do. If you want to keep track of the Zelle services, you will need to go to Downdetector.com to check the Zelle services reports. So, wait for a while and check the status of the payment after some time.
Also, keep an eye on Zelle’s official social media handles. Companies often keep the users posted about the current status of the services there.
And that’s all about the possible reasons.
In case, you are unable to fix the issues on your own, there is one last thing that you can do.
Contact Zelle support teams and let them know the issues with your payments.
You can call Zelle support at 1-844-428-8542 from 10 am -10 pm ET, 7 days a week, excluding Thanksgiving, Christmas Day, and New Year’s Day.
And that is it, guys.
In this post, we first included all the possible reasons for the most asked query – ‘why is my Zelle payment processing?’
And in the next part of this post, we provided all the possible reasons and explanations along with the ways to fix it.
We have made sure that the fix mentioned below is easy to implement. So, without any further assistance, you will be able to solve them on your own.
But, in case you need more clarification or any help, you can let us know in the comments section below; we will try our best to help you out.
Ankit Kumar is an Engineer by profession and a blogger by passion. Over the last several years, he has written tons of articles, solving queries on Quora. He also has years of experience in investing in Cryptocurrencies, Funds, and Stocks.