an update: phone was still processing so I called my bank to see if anything was wrong on their end. turns out somehow the ccv in Apple Pay was wrong and it wouldn't go through. they told me I would have to remove and re-add the card which means I would have to place a new order. called apple, switched the payment method, and we're back on track for delivery next week!
tl;dr -- if your phone is still processing, something may be wrong!! call your bank and apple to see if there's anything they can help with!