Receiving and claiming money

When someone sends you money, you get a notification and a claim card at the top of /me/pay showing who sent it, how much, and any note.

If you already have a bank linked:
Pick the account to receive into and tap Claim. The money moves bank to bank and lands in your account (Sending, then Depositing, then Completed). The sender is notified you claimed it.

If you haven't linked a bank yet:
The payment waits for you — nothing expires. Tap "Connect your bank" on the banner, link an account (see "Link a bank to Pay Friends"), and the claim card comes back so you can claim. Until you claim, the sender hasn't been debited, so there's no rush and no risk to them.

Paying an incoming request works the same way: the request appears as a card with a Pay button; pick your funding account and pay.