During its lifecycle, the payment goes through different statuses. Each status indicates a specific phase for the payment, there are different actions that can be performed during each status. The table below gives you an overview of the payment statuses that are used in gateway. It will help you to understand which statuses to monitor or analyse more thoroughly or in which phase and how you could help a customer if needed.
| PAYMENT STATUS |
DESCRIPTION OF THE PAYMENT STATUS |
APPLICABLE FOR PAYMENT METHOD |
| Initial |
Payment is initiated by Customer. Payment method is not selected yet. It is a common state for card payments and open banking payments. The customer is supposed to select the payment method and continue the payment flow. |
Card payments
Open Banking
PayPal
|
| Authorised |
This state is only for PayPal payments. It means that merchants need to review the payment in his PayPal account before sending out the goods. This is the final state for PayPal payments. |
PayPal |
| Authorised |
This state indicates that the issuer bank has approved authorisation request and funds will be settled to the merchant’s bank account after capture and clearing are completed. |
Card payments
(pre-authorisation)
|
| Waiting for 3DS |
When the 3DS authentication window was prompted, the customer closed it or pressed the Back button |
Card payments |
| Waiting for SCA (strong customer authentication) |
In this state, the payment method is selected as open banking. IBAN is selected, payment initiation is sent to the bank and the customer is waiting to complete SCA |
Open Banking
PayPal
|
| 3DS confirmed |
Intermediate status when 3DS flow is completed but payment is not processed further due to technical errors. This is the final status of the payment. |
Card payments |
| Settled |
This state indicates that the issuer bank has approved authorisation request and funds will be settled to the merchant’s bank account after clearing. |
Card payments |
| Settled |
This state is obtained after the customer completes SCA and payment passes all the checks on the bank side. This is the final state. For Paypal payments, it means settlement is completed to the merchant’s PayPal account. |
Open Banking
PayPal
|
| Failed |
Authorization was declined by a card issuer or some technical error occurred during the authorization process. This is the final status of the payment. |
Card payments |
| Failed |
Payment can get ‘failed’ state in payment initiation or after the customer completes SCA.
In the first case, the reason might be a technical error or the bank or PayPal may reject the payment initiation. In the second case, even though payment flow is completed, the bank or PayPal may reject the payment due to various reasons such as ‘Insufficient funds’, or ‘Incorrect beneficiary name’. This is the final state. |
Open Banking
PayPal
|
| Abandoned |
Customer has 15 minutes to perform 3DS authentication. If the time is exceeded and 3DS authentication is not finalised the payment status is changed from ‘Waiting for 3DS‘ to ‘Abandoned‘. It is Final status and means failed payment. |
Card payments |
| Abandoned |
This state refers to the case in which a customer does not complete the payment confirmation and abandon the payment. It is Final status and means failed payment. |
Open Banking |
| Sent for processing |
This state is used for a case in which payment is confirmed by the user but final confirmation by the bank has not arrived yet. |
Open Banking |
|
|
|
| Voided |
Cancellation of authorization. Void blocks funds transfer for an authorized payment. This is the final status of the payment. |
Card payments |
| Refunded |
Reimbursement of the payment. The transaction amount is transferred from the merchant to the buyer. This is the final status of the payment. |
Card payments |
| Charged Back |
The cardholder has disputed payment and Issuer bank has initiated a chargeback process. |
Card payments |
* Authentication: A process whereby card Issuer assures that the presenter of the card is a valid card owner.