In most cases nothing is wrong with your account: bank transfers are simply slower than they feel, and a declined card is usually your own bank being cautious. Paying with “My bank account” (bank transfer, card, or Apple Pay) is handled by our payment processor. Here is what to do when a payment does not go through, or seems to be taking forever.
If your payment was declined
Card payments can be declined by your bank, especially for large or unusual purchases. Check for a text or app alert from your bank asking you to approve the charge, then try again.
Bank payments have a cap. The app shows it during checkout as “bank payments are capped at $N”. If your purchase is above the cap, the payment cannot go through on that rail.
For larger purchases, use a wire. Message us in the chat and we can set up a wire transfer. You will get instructions by email. Include the memo exactly as written, and note that the instructions expire after about 3 days. Wires are the fastest bank option.
Processing fees, if any, are set by the payment processor and itemized at checkout.
If a payment fails or is returned after the fact, we email you about it, so keep an eye on your inbox.
If your payment seems stuck
A bank transfer (ACH) is not instant. After you see “Payment initiated!”, the transfer typically takes 5-7 business days to complete. During that time the property page may show that the sale is still completing. That is normal, not an error. We will email you if anything needs your attention, and you will get a confirmation email when the purchase completes.
If you are the seller in a bank-funded sale, the app shows when to expect your money (“You’ll get paid by” a date), and payment arrives once the transfer clears.
If a withdrawal fails or stalls
The same reassurance applies in the other direction. If a Cash Out to your bank fails or seems stuck, maybe your bank rejected the transfer or a debit card was declined, nothing is lost: the money stays in your Fabrica account until a withdrawal actually completes. Try the withdrawal again, and if it keeps failing, message us in the chat and we will look at it with you.
If something has been stuck longer than the app told you to expect, message us in the chat bubble in the corner with a link to the property. Learn more about payment options on the blog.