Can a PayShap payment be delayed?

PayShap payments are designed to clear in seconds and almost always do. Delays are rare, but they can happen when a bank is running maintenance, when there is a technical problem on either side or when the payment details are not quite right.

PayShap is built to be immediate. Every payment is processed on its own and in real time, with no cut-off times and no batching. Both you and the recipient get a notification the moment it lands, which is usually within seconds of you authorising it.

What can slow a payment down. A weak or dropped connection while you are sending. Scheduled maintenance at the receiving bank. Details that do not match, such as a cellphone number that is not registered as a ShapID.

How to check. Open the GoTyme Bank app and look at your transaction history first. If the money has not left your account, the payment did not go through and you can simply try again. If it has left, check that the recipient details were correct, then ask the person to look at their own banking notifications, since money often arrives before the person thinks to check.

If it is still missing. Contact us through in-app chat or call 0860 999 119. Have the date, amount and recipient details ready.

Learn more about PayShap Instant Payments with GoTyme Bank.