Cash App shows "waiting to complete" on a payment when the transaction is not yet fully processed. This pending status often occurs because the payment requires some form of approval, verification, or completion of processing either by the sender, recipient, or Cash App's system. Common reasons for this status include:
- The payment was initiated but not yet accepted by the recipient (they may need to tap "Accept" on a pending payment).
- Cash App is verifying the transaction's security, identity, or account status.
- There are server or connectivity delays causing processing to slow.
- The payment might be under review due to unusual or large transactions.
- The sender has exceeded Cash App limits or has insufficient funds.
- The system requires manual action to finalize the transaction.
Typically, such payments move from "waiting to complete" to "completed" once the required action is taken or verification completes, usually within 1 to 3 business days. If the payment remains pending too long, the sender or recipient can try canceling the transaction if that option is available, or contact Cash App support for assistance.
