Where is my money? What each status means
Send & receiveEveryone·Available·Updated
Open Activity in your dashboard and tap the payment. Its status tells you where the money is now and whether you need to do anything.
What each status means
| Processing | Money is on its way on a network or a bank rail. Nothing to do yet. |
|---|---|
| Underpaid | Part of a crypto payment arrived. Follow the current payment instructions to complete it. |
| Overpaid | Paid in full, plus extra. Contact support to request a return of the extra. The source and destination must be checked; network fees and route restrictions apply. |
| Settled | The money arrived where it was going. |
| Expired | The window closed before money arrived. If you already sent, contact support with what you sent. |
| Returned | A bank sent the transfer back. The reason shows on the payment. |
| Held for support | Money arrived that can’t be matched, or arrived after a request closed. Contact support for a route-specific recovery review; recovery may be unavailable. |
As of 1 October 2026. From the Swaps product and pricing.
How long things usually take
A send on Tempo: usually a few seconds. A deposit from another network: usually a few minutes. ACH: typically 1–2 business days. A wire: typically the same business day before your bank’s cut-off. SEPA: about 1 business day. These are typical times, not promises.
When to contact support
When a payment shows Held for support, Recovery needs support, or stays in one status much longer than the times above. Support starts from your account’s records, so you don’t need to find transaction IDs first.
Was this helpful?
Thank you. This helps us fix the article.
Written by Swaps team. Updated 1 October 2026. Amounts in panels are examples.