Initial
The payment has been started by the customer, but the payment method is not yet selected.
Common for card payments and open banking payments.
The customer is expected to choose the method and continue.
Applies to: Card payments, Open Banking
Authorised
The card issuer has approved the authorisation request.
Funds will be settled to your bank account after capture and clearing.
Applies to: Card payments (pre-authorisation)
Waiting for 3DS
The customer was prompted to complete 3D Secure authentication but:
Did not continue, or
Pressed the back button
Applies to: Card payments
Waiting for SCA (Strong Customer Authentication)
The payment method is selected as open banking.
The customer has chosen an IBAN, and the system is waiting for the customer to complete SCA.
Applies to: Open Banking
3DS Confirmed
The customer completed the 3D Secure flow, but the payment was not processed further due to technical issues.
Applies to: Card payments
Settled
Card payments: The issuer approved the payment and funds were settled to the merchant's account. Final payment status.
Open banking: Customer completed SCA and passed all required checks. Final payment status.
PayPal: The payment was finalised and funds transferred to the merchant's PayPal account.
Applies to: Card payments, Open Banking, PayPal
Failed
The payment was declined by the issuer or an error occurred during the authorisation process.
Also applies when the customer cancels SCA or the issuer rejects the payment due to reasons like:
Insufficient funds
Incorrect beneficiary name
Applies to: Card payments, Open Banking, PayPal
Abandoned
The customer had 15 minutes to complete 3DS authentication but didn’t finish.
Status changes from Waiting for 3DS to Abandoned after timeout.
Final status indicating failed payment.
Applies to: Card payments
For open banking, the status applies if the customer selected a payment method but didn’t complete authentication or confirmation.
Applies to: Open Banking
Sent for Processing
This status is used for open banking when the customer has confirmed the payment, but the bank has not yet provided final confirmation.
Applies to: Open Banking
Voided
The authorisation was cancelled, and the issuer has blocked the funds transfer.
Final status, no funds will be captured.
Applies to: Card payments
Refunded
A full or partial refund has been issued.
The transaction amount has been transferred back to the customer.
Final status.
Applies to: Card payments
Charged Back
The cardholder has disputed the payment, and the issuer has withdrawn the funds.
Final status.
Applies to: Card payments
Use the Payment details view in the merchant portal to review each payment’s full history and resolve any issues. For chargebacks or technical errors, contact our support team for assistance.