Cash App Payment Completed but Not Received: 9 Possible Reasons

One prevalent complaint has been that a completed payment is not received. Why does this happen, and how can it be resolved?

That’s exactly what we’ll discuss below, so let’s get straight into it. 

Cash App Payment Completed but Not Received is a transaction that has been initiated but not fulfilled. Reasons include – connection problems, unreachable servers, insufficient funds, exceeded daily limit, anonymous sender, spam and frauds, typos, expired cards, and older app versions. 

Was your Cash App payment completed but not received? Read to find out why that could’ve happened and what you can do to resolve it. 

Currently available in two countries only, the app allows US and UK users to perform financial transactions at the luxury of their mobile phone application.

As impressive as it has been, it’s not all fame and glory with Cash App. There are occasional server issues and payment delays that impact the user experience. 

Read: 7 Reasons Why Cash App isn’t letting me Send Money?

Cash App Payment Completed but Not Received

What does Completed mean on Cash App?

Completed Payment on Cash App means – The transaction was successful and the money is in the recipient’s account. Usually, when the payment shows Completed in Cash App, it’s automatically received in the recipient account.

You cannot reverse a completed payment. If required, it is recommended you contact the recipient to inquire about a refund.

Normally, Cash App payments are instant. Sometimes there’s can be a problem and it can take from a few minutes to days to resolve the issue depending on the problem.

Why is Cash App Completed Payment but Funds Not Received

A completed Cash App payment but not received means that the transfer has been successfully initiated but can’t be fulfilled at the moment. Unfortunately, this is somewhat of a common issue, and Cash App suggests you wait for a couple of hours for it to resolve itself.

With Cash App, sent and received payments are generally available immediately. However, this isn’t always the case. Occasionally, you might find yourself facing a Cash App “Payment Pending.” 

There are a few different reasons why your payment is being delayed. The most common ones include connection problems, an unreachable server, insufficient funds, an exceeded daily limit, an anonymous sender, spam and fraud, and typos. Some less common ones can be expired credit or debit cards and older app versions. 

Let’s have an in-depth look at each.

1. Connection Problems 

A slow and unstable internet connection is one of the most prominent reasons a payment may be marked as pending. If your device disconnects at any point during the transaction, your Cash App payment will not go through. 

To avoid this, always make sure your device has a reliable internet connection before starting your transaction session.

2. Unreachable Server 

At times, connectivity problems can occur on the other end. For example, bank servers and Cash App servers sometimes suffer from connectivity issues, or the two servers may fail to communicate with each other appropriately. This issue significantly impacts the not-to-blame user and their user experience. 

Cash App usually takes care of the issue but, if you like, you can contact both your bank and the Cash App support team to locate the source of the delay. 

3. Insufficient Funds 

Cash App can’t send what isn’t there. Although this one is a given, people sometimes fail to notice it. An account balance needs to have at least the payment amount sum to complete the transaction. 

When this occurs, Cash App leaves your payment hanging until your balance is recharged. Once your account has sufficient funds for the transaction, Cash App will proceed with it. 

To avoid this altogether, always double-check your balance before starting a transaction session. If you are running low on balance, click here to learn how to refill your account balance both online and in-store.

4. Exceeded Daily Limit 

With Cash App, you can send anything up to $250 within any week’s period and receive anything up to $1000 within any month’s period. However, because this is not very practical, the app does let you increase this limit by verifying your account. 

To verify your Cash App account, prove your identity by using your full name, date of birth, and the last four digits of your SSN. 

So you can’t send payments if you’ve exceeded your account limit. Similarly, you won’t be able to receive payments from accounts that exceed their limits. To get around this, either verify your account or simply wait for time to resolve this issue. 

5. Anonymous Sender 

Because Cash App handles money, safety, security, and protection need to be optimal. In an attempt to protect your account from possible threats, Cash App automatically places payments from unknown and anonymous senders on hold. 

The app will give you access to such payments only if you choose to accept them. You’ll be doing this at your own risk, so be careful who you choose to accept payments from. 

6. Spams and Fraud

Slightly different from the anonymous sender situation, Cash App has accounts marked as either spam or fraud. If one of these accounts tries to send you anything, Cash App will directly block it before it reaches your account. A transaction blocked by Cash App can’t go anywhere. 

7. Typos 

Errors occur, especially when typing. A payment will fail if the $Cashtag, ID, or any other piece of information contains an error. Therefore, always double-check for any typos before completing a transaction.

8. Expired Cards

Another reason for a stuck payment is an expired debit or credit card. When you use an expired card, the payment may not go through, and your bank may hold it until you get back to them. 

You can check if your card has expired or not from the expiry date on your card’s backside.

9. Outdated App

Application updates are made for a reason. So yes, your pending payment may be due to an outdated version of your Cash App. Hence, make sure you have the downloaded newest version of the Cash app on your device. 

Receiving a Payment 

Cash App keeps track of all your received payments in your activity feed. 

To access your activity feed through the app, follow these steps: 

  • Open your Cash App application and tap the “Activity” tab on your home screen
  • Choose your payment of interest and check its status

Missing Payments

Payments that seem to be missing could have been alternatively sent to other emails or phone numbers associated with you. 

You can locate these payments through the following steps: 

  • Open your Cash App application and go to the profile icon on your home screen
  • Choose “Personal”
  • Append any missing phone numbers or email addresses. 

Bottom Line 

To Sum it up Reasons, why Cash App payments may not be credited to the intended recipient after being sent, include entering the wrong contact info (cashtag), glitch, connection issues, etc.

This ‘Pending Payment’ issue usually resolves on its own, but you can always review this list for possible causes or contact the app’s support team for further assistance. 

Did you find this article helpful? Let us know in the comments below!

Laurens Yarpei

Hi! I'm Laurens Yarpei, your go-to fintech expert with a passion for Cash App. Over the past 7 years, I've explored every nook and cranny of this digital finance platform, and now I'm here to share my insider knowledge with you. On my blog, you'll find tips, tricks, and insights to help you conquer Cash App. Find me at Linkedin, Twitter, Facebook, Pinterest.

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