When a payment shows as Pending in Skimmer, it means the payment has been initiated, but Stripe hasn’t confirmed it as successfully completed yet.
In most cases, this is normal — especially for bank (ACH) payments.
🏦 Most Common Reason: ACH Processing Time
ACH (bank) payments typically take up to 5 business days to settle.
During that time:
The payment will show as Pending
Funds are still being processed by the bank
No action is needed
If the customer is connecting their bank account for the first time, verification can take up to 10 days.
⏳ Incomplete Payment Attempts
Sometimes a customer starts checkout but doesn’t fully complete the payment.
This can leave a payment attempt in a pending or “in progress” state.
⚠️ Rare: Stuck Pending Payment
In rare cases, an ACH payment may appear stuck longer than expected. Most resolve automatically once Stripe finishes processing, but if it’s well beyond the normal timeframe, report a bug/issue using the Skimmer Assistant Chat feature.
📬 Important to Know
Invoice reminder emails do not factor in pending payments.
So a customer might receive a reminder even though their ACH payment is still processing.
✅ What Should You Do?
ACH under 5 business days? → Wait for settlement.
First-time bank connection under 10 days? → Wait for verification.
Longer than expected? → Check for incomplete attempts or escalate to support for review.