Torzon, read the screenA collection of the things you actually see, explained

The collectionMoney

Money

A confirmation count

You sent the money and now there is a counter. It moves slowly, the page says nothing useful, and the natural conclusion after twenty minutes is that something has gone wrong. It almost never has.

What it is
How many blocks have been built on top of your transaction
Where you meet it
The deposit page, after sending
What it settles
How hard your payment would be to reverse
Cannot tell you
When the credit will appear, exactly

The specimen

deposit seen yes
confirmations 2 of 10
credited not yet
 
seen means the network has it. credited means the market accepted it.
the gap between those two lines is the entire wait.

A deposit in progress. The distinction on the last two lines is what most confusion is about. Your money left, the network has it, and the market is waiting before it will treat the balance as real.

What a confirmation is

Each confirmation is one more block built on top of the block holding your transaction. Undoing a payment means rebuilding everything on top of it, so each additional block makes a reversal more expensive by a large factor. Waiting for several is not bureaucracy, it is the market declining to hand you a balance that could still evaporate.

Why yours is slow

CauseHow to tellWhat to do
Fee too lowTransaction visible on the network but not getting into a blockWait. Some wallets can bump the fee
Network busyEverything is slow, not just yoursWait
Market waiting for more confirmationsCounter is moving, credit has not happenedWait, and stop refreshing
Sent to an expired addressNever appears as seen at allThis is the other specimen, and it is a different problem

What not to do while waiting

The number of confirmations is a policy, not a law

Different markets and different coins wait for different counts, and the figure gets changed when conditions change. There is no universal correct number and no reason to be suspicious of a high one. A market that waits longer is being more careful with its own exposure, which is a mild point in its favour rather than an inconvenience aimed at you.

Why the count differs between markets

It is a policy, set against how much the operator is willing to lose if a payment gets reversed, and it moves when network conditions move. There is no universal correct number and a higher one is not a market being awkward with you. It is a market being careful with its own exposure, which is a mild point in its favour even though it costs you a longer wait.