we have about 5 submissions pending

I'm trying to understand how to determine if the pending submissions are actually completed in terms of payment? Please advise. Thank you. 

If a submission is showing as incomplete:

https://www.jotform.com/help/564-how-to-view-incomplete-payments-of-your-payment-forms/

Payment was not completed at checkout.  Completing those submissions will not charge the user and it is not possible to charge them if the submission was not completed when they first submitted the form.

If you need to collect payment from someone with an incomplete submission, they would either need to pay you directly or fill out the form once again.