Payment not showing of available balance

Assuming the payment itself is showing in the Wallet app - it is still listed as "pending"? A lot has to do with the source of where the payment is coming from. If you use Apple Cash (which I don't) supposedly the available balance is updated immediately. I use a checking account from TD Bank and I also see the available balance update as soon as the payment shows.

I have the same issue with the new Apple Card. The payment has been "completed" and "credited to my account," but is not reflected in my available balance. 😕

The "Apple Card Specialist at Goldman Sachs" said that it takes "several days" for the Goldman Sachs Bank USA, Salt Lake City Branch to do their side of the transaction. So they are pretty slow with actually putting it in your account.