Thank you for your question.
If your contract is still pending, that means it's still being reviewed by the acquirers. Your account can be active while your contract is still pending. You can test other types of payment methods, which are separate from your pending contract.
Once your account with the acquirers have been fully checked and activated, you can then accept live payments through those payment methods in your shop.
If you would like us to look at your case specifically, please get in touch with our team firstname.lastname@example.org and we'd be happy to support you!