Weekend timing and an incomplete eligibility check are the two most common causes.
Median review time is under 14 hours, but two things commonly stretch it: a request submitted late on a Friday can sit until the next business day, and a request where one eligibility item was borderline — for example, a qualifying trading day that posted just after the request was submitted — needs a manual second look.
If a payout is genuinely stuck beyond 48 hours with no update, open a support ticket referencing the request ID from your Payouts history — that routes directly to the review queue rather than general support.