Payment Status'

Payment status' are simplified payment states, so you can quickly tell at a glance where the payment is at in the payment flow.

Payment States

Payment states are the raw state of the payments returned by the payment gateway, it can give you a better understanding of where the payment is at in the payment flow.

Received

The transaction has been received by the Gateway and stored away. This is the first stage. The Gateway will examine the transaction and pass it on to the next stage, as appropriate.

Approved

The transaction has been sent to the Acquirer for authorisation and the Acquirer has approved it and is holding the Cardholder’s funds. This is an intermediate state and follows the received state.

Verified

The transaction has been sent to the Acquirer for verification and the Acquirer has confirmed that the account is valid. This is a terminal state and follows the received state. The transaction will never be settled and no funds will ever be transferred

Declined

The transaction has been sent to the Acquirer for authorisation and the Acquirer declined it. The Acquirer will not usually give any reason for a decline and will not have held any funds. The transaction has now completed its life cycle and no more processing will be done on it. This is a terminal state and follows the received state. The transaction will never be settled and no funds will ever be transferred.

Referred

The transaction has been sent to the Acquirer for authorisation and the Acquirer referred it for verbal approval. You can choose not to seek verbal approval and treat these transactions the same as a normal ‘declined’ authorisation.

To seek verbal approval, you must phone the Acquirer and ask for an authorisation code. They will probably ask for more information about the transaction and might require you to gather other forms of identification from the Cardholder.

This is a terminal state and follows the received state. The transaction will never be settled and no funds will ever be transferred.

Reversed

The transaction was sent to the Acquirer for authorisation and the Acquirer approved it. However, the transaction has been voided and the approval reversed. The Acquirer will have been asked to reverse any approval previously received, effectively cancelling the authorisation and returning any held funds back to the Cardholder. The Gateway will reverse an authorisation if it declines the transaction post authorisation due to any AVS/CV checking. The PREAUTH action will also automatically reverse an authorisation before return.

This is a terminal state and follows the approved state. The transaction will never be settled and no funds will ever be transferred.

Captured

The transaction has been captured and the Acquirer will be asked to capture the approved held funds when the settling process next runs. The settling process usually runs each evening but the Acquirer may take up to 3 days to transfer the funds.

The capture state can either be entered automatically if the transaction requested an immediate or delayed capture; or it can be manually requested by sending a CAPTURE request. You are free to change the amount to be captured to a value less than that initially approved by issuing one or more CAPTURE commands. When captured, there is no way to un-capture a transaction. If not explicitly cancelled, it will be sent for settlement at the next opportunity. This is an intermediate state and follows the approved state.

Tendered

The transaction has been sent to the Acquirer for settlement by the settling process and is awaiting confirmation that it has been accepted. At this point, the transaction can no longer be cancelled or re-captured. This is an intermediate state and follows the captured state.

Referred

The transaction could not be settled due to some temporary problem such as a communications loss. It will be attempted again the next time the settling process runs – usually first thing the next day. This is an intermediate state and follows the tendered state. It will normally be accompanied by a transaction response that indicates why the settlement process could not settle the transaction.

Accepted

The transaction has been accepted for settlement by the Acquirer. The held funds will be transferred between the Merchant and Cardholder in due course. The transaction has now completed its life cycle and no more processing will be done on it, unless it is subject to a rejection while the Acquirer is settling it. This is a terminal state and follows the tendered state.

Rejected

The transaction has been rejected for settlement by the Acquirer. The held funds will not be transferred between the Merchant and Cardholder. Only a few Acquirers inform the Gateway that they have rejected a transaction: they usually inform you directly. Therefore, a transaction may show as accepted even if was ultimately rejected or it may change from accepted to rejected if the Acquirer does inform the Gateway. The transaction has now completed its life cycle and no more processing will be done on it. This is a terminal state and follows the tendered or accepted states. The transaction response will normally indicate the reason the transaction was rejected.

Canceled

The transaction has been cancelled by the Merchant

You can cancel any transaction that is not in a terminal state or in the ‘tendered’ state. When cancelled, any further processing that would have normally taken place will be halted. Cancelling a transaction may or may not release any funds held on the Cardholder’s card, depending on support from the Acquirer and Card Scheme. Note: the state is spelt American style, with a single ‘l’ as canceled.

This is a terminal state and follows any non-terminal state that occurs before the transaction reaches the tendered state.