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Talk2meplease
User level: Level 1 (4 points)

Payments showing as pending on Apple Pay

I need to understand why payments are showing as pending. The explanations in the previous thread in the topic do not make sense. It happened to me twice recently. These are stores I frequent quite often. Costco incident was at the pump. I went through trying retrieve my $ through the Apple platform. Now I’m going trough the same think and I’m betting once again I will not have the funds returned. This looks very bad on your part as it makes me feel like I’m just supposed to accept it as a consumer. Very disappointing.


[Re-Titled by Moderator]

Original Title: Pending funds

Posted on Sep 28, 2026 2:46 PM

2 replies

Phil0124
User level: Level 10 (242,520 points)

Sep 28, 2026 3:05 PM in response to Talk2meplease

Hello,


  1. This is a user to user forum, you are not addressing Apple or Apple Support here, we have nothing to do with Apple Pay here.
  2. Apple has no involvment in Apple Pay transactions. In support of privacy and security Apple Pay transactions are encrypted and sent to the merchant wich sends them to the card processor for verification. Only the processor or card issuer can access the encrypted transaction package and either approve or deny it. If it's getting held up by the processor, card issuer or bank, then you need to talk to them about it and find out why.
  3. Refunds would only happen if you request them to the merchant. Apple has no knowledge or access to Apple Pay transactions directly nor does it have any way of refunding them. If the charge did not go through, then no charge would have happened on your payment method. If the charge does go through, and deducts money from your account, then the transaction completed successfully and you should have been given whatever you bought at that time.

click here ➜ If a payment card that you use with Apple Pay is declined - Apple Support


Jeff Donald
User level: Level 9 (64,078 points)

Sep 28, 2026 3:51 PM in response to Talk2meplease

Apple Pay is a technology not a payment method. I’m assuming you’re referring to Apple Cash. Apple Cash is a prepaid debit card. Depending on the state or region you’re in, the merchant (Costco) may require a deposit of varying amounts.


I live in Clearwater, FL. My Costco currently requires a deposit of $125. When gas was less expensive, the deposit was $75 as I recall. Apple has no control over the policies of a merchant. Sorry.


If your Apple Cash account does not have sufficient funds to complete the transaction, your purchase will be declined. If your account has sufficient funds the transaction will be approved and the deposit will be reflected on your account as a pending transaction. Pending transactions are controlled by the merchant, not Apple or the bank. Merchants generally release pending transactions within 1 to 5 business days.



Originally posted at discussions.apple.com/thread/256366778