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.