Apple Pay balance disappear after receiving a payment

Hello, I have a question about Apple Pay. I received a payment from someone over 2 hours ago and the money showed in my account but when I went to send from Apple play to my connected bank, it said in sufficient funds. I closed the app then re opened and the balance said 0.00. I checked my bank it was never deposited. I checked my sent and received transactions and it shows received but my balance is still zero

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Original Title: Help with Apple pay