Payment Status

A payment goes through various states during its lifecycle. Understanding these statuses helps you track and manage your payments effectively.

Approval Configuration

The PENDING APPROVAL status is triggered based on your client's approval settings. Each client can configure a single transaction threshold - when a payment amount exceeds this threshold, it requires manual approval before processing.

Statuses Overview

Webhook Notifications

All payment status changes will trigger webhook notifications at least once. See Webhook Documentation for more details.

Status	Cancelable	Description	Next Status	Common Scenarios
PENDING APPROVAL	✅	[In Progress] Payment is under review and requires authorization before proceeding	SCHEDULED REJECTED CANCELLED	• Payment amount exceeds client's single transaction threshold • Manual approval required by client settings
SCHEDULED	✅	[In Progress] Payment is approved and queued for execution on the specified payment date	WAITING FUNDS SENDING CANCELLED FAILED	• Waiting for payment date • In batch processing queue
WAITING FUNDS	✅	[In Progress] Payment requires funding before it can be sent to the beneficiary	SENDING, CANCELLED	• Insufficient balance • Waiting for deposit • No auto-withdrawal
SENDING	❌	[In Progress] Payment is actively being transmitted through the payment network	COMPLETED, FAILED	• SWIFT processing • Local payment processing • Internal transfer
COMPLETED	❌	[Final] Funds have been successfully transferred to the beneficiary	FAILED (rare: intermediary bank rejection)	• Bank confirmed receipt • Payment settled • Transfer completed
CANCELLED	❌	[Final] Payment was cancelled before being sent (auto-refunded if funds deducted)	None (final)	• Manual cancellation • Timeout waiting funds • Validation failure
FAILED	❌	[Final] Payment could not be completed due to an error (auto-refunded)	None (final)	• Invalid account details • Bank rejected • Network issues • Compliance restrictions
REJECTED	❌	[Final] Payment did not pass approval requirements	None (final)	• Manual rejection • Failed compliance • Duplicate detection • Sanctions list

Status Flow

Webhook Notifications

All status changes trigger webhook notifications. You can subscribe to payment events to receive real-time updates.

Event Type: PAYMENT

Event Payload includes:

• eventStatus: Current payment status
• eventObject: Complete payment details
• timestamp: When the status change occurred

See Webhook Documentation for more details on handling webhook events.

Best Practices

Monitoring Payments

• Subscribe to webhooks for real-time status updates
• Poll payment status if webhooks are not available
• Set up alerts for FAILED and REJECTED statuses
• Track WAITING FUNDS payments to ensure timely funding

Handling Failed Payments

1. Check failure reason in the payment details
2. Verify beneficiary information is correct
3. Ensure sufficient funds are available
4. Create a new payment after resolving the issue
5. Contact support if the issue persists

Cancellation Policy

• Payments can only be cancelled in SCHEDULED or WAITING FUNDS status
• Once a payment reaches SENDING status, it cannot be cancelled
• Cancelled payments are automatically refunded if funds were deducted

Troubleshooting

Payment Stuck in WAITING FUNDS

• Check virtual account balance and make a deposit if needed
• Review payment amount against available funds

Payment Failed Repeatedly

• Validate beneficiary details (account number, bank code, etc.)
• Review failure reason in payment details
• Contact beneficiary bank to verify account status
• Reach out to support for assistance

Payment Not Moving from PENDING APPROVAL

• Check approval workflow settings
• Verify approver permissions and availability
• Contact your account manager if approval is delayed