Why is my iplicitPay payment still showing as processing?

This article covers iplicitPay payments that remain in a processing status for longer than expected. iplicitPay uses open banking to send payments through your bank, and most payments complete within two hours of approval. If your iplicitPay payment is still showing as processing after two hours, your bank has not yet returned a final status to iplicit.

Do not retry the iplicitPay payment

If your iplicitPay payment is still showing as 'Processing' or 'In progress' more than two hours after final approval, do not approve or resend the payment. Retrying can result in duplicate payments to the same supplier.

When to wait and when to act

• Within two hours of final approval, the payment is processing normally and no action is needed
• More than two hours after final approval, the payment needs investigating
• For payments that require multi-authorisation, the two-hour window begins after the final approval is given, not the first

What to do if your iplicitPay payment is still processing after two hours

1. Check your bank account to see if the funds have already left. If the funds have left your account, the payment is on its way to the supplier even if iplicit has not yet updated the status
2. Note the iplicitPay payment reference shown on the Bulk Payment
3. Contact iplicit support and include the payment reference. iplicit support will contact the bank to confirm whether the payment will complete or fail
4. If the bank confirms the payment has failed, iplicit support will share the reason so you can decide whether to retry or take other action

Why this happens

A processing status that lasts longer than two hours usually means your bank has not sent a final response back to iplicit. This is a bank-side delay, not an issue with iplicit or with your payment data. iplicit support will investigate directly with the bank on your behalf and escalate to the iplicitPay payment provider if needed.