What Does “Apple Pay Transaction Under Review” Mean?

Edited by Hannah Locklear

Apple first premiered Apple Pay in September 2014. At that time, it was revolutionary. Rather than carrying debit and credit cards everywhere, consumers could store their payment information on their smartphones and smartwatches, keeping their financial data private — and convenient.

Over the past decade, Apple Pay has quickly gained steam, and millions of stores worldwide accept payment via the app. However, consumers occasionally experience problems using Apple Pay, like when a transaction suddenly goes under review.

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What to know about transactions under review with Apple

Typically, Apple has a specific reason for placing a transaction under review. If you’re new to Apple Pay and haven’t yet verified your identity, the company may put cash transfers on hold until you submit a copy of your ID.

Similarly, suppose that Apple finds multiple separate Apple Pay accounts tied to your ID number. In that case, Apple may decide to put transactions on hold until it can verify that they’re all yours.

Other reasons for a transaction under review may have nothing to do with you. For instance, if Apple suspects an online vendor you’ve recently conducted business with is fraudulent, it may stop your payment while investigating. That protects you and your money, ensuring you don’t transfer funds to a scammer.

You can also instigate a transaction review if you report an issue with a recent payment. To do so, you’ll need to access the payment history for your account within Apple Pay, then click on Report an Issue next to the specific transaction. You’ll provide additional information for Apple, and the company will decide whether you’re due a chargeback or the transaction was legitimate.

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Most transactions under review with Apple take less than a few business days to resolve. However, you’ll want to do everything possible to support Apple during the review. If Apple requests information from you to finalize your transaction, like a copy of your ID, make sure you provide it to expedite the process.

Let’s consider an example.

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Prevent Apple Pay transaction reviews by keeping your information current

Apple requires users to submit personal information, such as a copy of their ID card, to maintain a secure environment that consumers feel safe using. When you first enroll with Apple Pay, you’ll likely need to provide Apple with details it can use to verify your identity. Following those steps can streamline the process and prevent transaction errors.

People who use Apple Cash for money transfers must be especially aware of the identity verification process. If they aren’t, Apple will likely put transfers on hold until it can thoroughly verify the user’s identity.

You’ll also want to take care when shopping online. Vendors who accept Apple Pay must accept their operating agreement and fulfill specific requirements. If you’re unfamiliar with an e-commerce company but like what it offers, do a little research before deciding to shop there.

By taking a proactive approach, you can avoid Apple Pay transaction reviews that hamper your shopping experience.

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