Where is my money? Pending, late or sent to the wrong person

Pending, late, sent to the wrong person or to a scammer: find your case and what to do first.

A payment that has not landed usually has an ordinary reason: a recipient who has not enrolled, a bank’s cutoff time, a weekend or Federal Reserve holiday, or a review by the bank or app. Pick the way you sent the money below. Each guide says what the status means, how long it can last, what you can still cancel and who can act on it.

What happened	Where to start
A Zelle payment says pending	Zelle payment pending
I sent Zelle to the wrong person or amount	Can you cancel a Zelle payment
I was tricked into sending money by Zelle	Zelle scam refund
A wire has not arrived	Wire transfer not received
A bank transfer or direct deposit is pending	ACH transfer pending
Cash App, Venmo or PayPal shows pending	Cash App, Venmo, PayPal
Coinbase shows funds but will not let me cash out	Coinbase available balance

Only your bank or app can look up, cancel or recall a payment. Contact it through the number on your card or in the app, and check your bank’s own limits and cutoff times on its page in our bank list.

Warning

Anyone who offers to recover lost money or crypto for a fee is a known scam pattern. We do not work with recovery services, and we will never ask for your account details.

This page explains how payments work. It is not financial advice.

Guides for a payment that has not landed

Venmo Instant Transfer Not Working: Checks and Options

Distinguish unavailable, declined, pending and completed transfers before trying another cash-out.

Zelle pending

Zelle payment pending: what it means and how to fix it

A pending Zelle payment usually means the recipient has not enrolled the email or number you used.

Zelle not working

Zelle not working: enrollment, limits and blocked payments

Match the message you see to its cause: enrollment, limits, a bank block or a recipient who never enrolled.

Wrong person

Can you cancel a Zelle payment? Wrong person, wrong amount, what to do

You can cancel a Zelle payment only while the recipient has not enrolled. After that, call your bank.

Scammed

Zelle scam refund: can you get your money back?

A Zelle scam refund turns on who pressed send: Regulation E covers a payment someone else made from your account.

Wire late

Wire transfer not received: what to check and who to call

What to check when a wire is late, what the sender can ask the bank for, and your rights.

ACH pending

ACH transfer pending: why, how long, and what a return means

An ACH transfer is pending because the network settles in batches, on banking days only.

Cash App

Cash App payment pending: why it happens and what to do

Most Cash App payments land instantly. When one sits in pending, the app usually wants something from you.

Venmo

Venmo payment pending: why, how long, and what to do

A Venmo payment shows Pending when your bank has not cleared it or the recipient is not verified on Venmo.

PayPal

PayPal payment pending: holds, eChecks and what to do

Pending, on hold, unclaimed, eCheck: PayPal uses different words for different delays, each with its own clock.

Crypto

Sent crypto to the wrong network or address: what can be done

Some misrouted crypto can be recovered, some cannot. It depends on who controls the address it landed at.

Cancel a remittance

Cancel an international money transfer

Act immediately: a covered US remittance may have a short cancellation window before the money is collected.