Payment Statuses

Understanding the status of your payment

Overview

The status of a payment that has been requested via TapiPay is divided into two. First there is the status of the payment instruction. Secondly there is the status of the actual payment as executed by the bank.


Payment Instruction Status

The instructionStatus refers to the status of the request that has been made to the Account Servicer / Bank to execute a payment. The value of this status changes depending on where in the cycle the payment is.

instructionStatus

Description

Pending

A payment instruction has been requested. No acknowledgement from the Account Servicer have been received yet.

Failed

A payment instruction has been requested but the authorisation flow has failed

Accepted

A payment instruction has been requested and the End-User has consented with their Account Servicer to make the payment.

The actual status of the executed payment is covered by the isoStatus enum.

Rejected

A payment instruction has been requested but it has either been rejected by the Account Servicer or the End-User as part of the authorisation process.

Payment Execution Status

The Account Servicer (bank) that executes the payment also returns a separate status that aligns to the ISO20022 defined payment statuses. These are returned under the isoStatus enum. The isoStatus can be updated as the payment progresses through the cycle. Not all Account Servicer's update the isoStatus to the final status.

isoStatus Hierarchy

isoStatus HierarchyisoStatus Hierarchy

isoStatus Hierarchy

isoStatus Descriptions

isoStatus

Description

Rejected

Payment instruction or individual transaction included in the payment initiation request has been rejected.

Pending

The payment is pending. isoStatus will update following subsequent checks.

AcceptedSettlementInProcess

All checks and validation has been completed. The payment is accepted for execution.

AcceptedSettlementCompleted

Settlement on the debtor's account has been completed.

AcceptedWithoutPosting

Payment instruction included in the credit transfer is accepted without being posted to the creditor's account.

AcceptedCreditSettlementCompleted

Settlement on the creditor's account has been completed.


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