Why is my Cash deposit still pending?
If your Cash deposit is still showing as Pending, your payment is still being processed by your bank or payment provider. In most cases, no action is needed yet.
Don't submit another deposit while the first one is pending. This can create duplicate deposits if both transactions complete.
What to expect depends on how your deposit was funded and which provider handled it.
Deposits made with card, Apple Pay, or Google Pay #
Deposits made with a debit card, Apple Pay, or Google Pay via Stripe can complete within 10 minutes.
If your deposit was submitted recently, it may still be within the normal processing window.
Deposits made from a bank account #
Deposits made from a linked bank account via Stripe typically arrive within 3 business days, but can take up to 5 business days. Weekends and US federal holidays will delay processing.
ACH transfers and domestic wires sent using the account and routing numbers shown in Cash typically arrive the same or next business day but can take up to 5 business days.
Deposits handled by a third-party provider #
If your deposit was handled by a third-party provider such as MoonPay, Topper, Banxa, or another provider, the provider controls the transaction timeline. Phantom has no way of knowing how long these deposits take, but the provider itself can give you an estimate.
Processing time depends on the provider, payment method, and your bank.
Get help with a pending deposit #
In general, Phantom cannot speed up deposits. If you’re not sure which provider you used, open the Cash history tab and select the transaction. The provider should appear in the deposit details.
- For deposits processed by Stripe, contact Link support at support.link.com.
- For deposits sent using the account and routing numbers shown in Cash, contact Phantom Support with the deposit amount, date, sending bank, and any confirmation or trace number from your bank.
- For deposits processed by third-party providers such as MoonPay, Topper, Banxa, or another provider, contact the provider directly using the support link in your receipt from the provider or on this page: Third-party onramp providers in Phantom.