Provide the recipient the security word you selected as soon as possible. Please confirm the email address or cell phone number you used to send. 

To see the security word, go to RCUpay on the mobile app and select RCUpay History from the menu.

RCUpay P2P mobile menu

The RCUpay transaction history will include the security word as well as one of the following status indicators:

  • Complete – Receiver has entered the security word and financial institution information to claim the funds.
  • Pending - Funds have been debited from the sender account and are waiting to be picked up by the receiver.
    Note: You can resend the RCUpay texts by selecting "Resend text" located under the status (see example below). If you send an email, the selection will be "Resend email".
  • Canceled - The sender has stopped the transaction.
  • Expired – The receiver has not entered the security word and financial information to claim the funds within 10 calendar days.

RCUpay History Page

  • If the money has not been claimed by the recipient after 10 days, it will be returned to the sender.
  • Please make sure your email address is current. Email communications about the status of the RCUpay payment are sent until the funds have been claimed. If you need to update your email address, go to Profile & Settings and update your profile Contact Info.

IMPORTANT: If the recipient doesn't pick up their funds within 10 calendar days, the transaction will be canceled and the funds will be deposited back into the senders account.