Payment lifecycle

A payment has two distinct phases:

Payment request – represents the intent to make a payment, where required input is captured, validated, and pre-processed
Transaction – represents the execution phase, where risk screening and routing occur, a payment system or bank is engaged, and funds are transferred

As the payment progresses through these phases, its status updates until it reaches a terminal state.

Checking the current payment status using the API

Send:
GET /payment-request/{id}

You can also receive status updates through Webhooks.

Use the tables below to understand the payment lifecycle statuses.

Status	Description
`Created`	The payment request is recorded but not yet submitted for validation.
`Invalid`	A terminal state. The request contains errors or is missing required data and cannot proceed.
`Initiated`	The payment request passed validation (where checks are made for errors or missing data) and was accepted.
`InputNeeded`	For Payee Choice and Vendor Pay payments only. Waiting for required additional information from the recipient.
`UnsuccessfulInput`	A terminal state for Payee Choice and Vendor Pay payments only. The recipient did not provide required information.
`Pending`	The request is valid but queued for processing.
`Cancelled`	A terminal state. The payment request was cancelled before the transaction was processed. For more information, see Payment request cancellation reasons.

Status	Description
`Processing`	The transaction is currently being executed.
`Succeeded`	The transaction completed successfully. For most payment types, funds were paid out. For postal cheques, the cheque is dispatched. For eChecks, the email containing a link to the payment was sent.
`Failed`	A terminal state. An error occurred during processing, and the payment was not completed.
`Returned`	A terminal state. The transaction succeeded but was later reversed or rejected by the payment system or bank.

For more details on status transitions, delays and recovery, see: