Understand payment status events

The Payment Status panel shows a timeline of events that track the progress of a single payment. These events are grouped into four stages, each reflecting a key phase in the payment lifecycle.

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If a stage fails, the label shows the failure (for example, Processing failed) and no further stages appear. The payment will not proceed if a step fails at any stage.

Initiated

This stage shows when the system creates and validates the payment request.

• Payment request created
  The system receives a request to create a payment.
• Payment request validation passed
  The system checks the request for completeness and correctness, ensuring required fields are present and valid.
• Payment request initiated
  The system stages the payment. At this point, the system has not contacted the recipient.

Payee Capture

This stage tracks the recipient’s activity through the Payee Choice journey.

• Journey started
  The Payee Choice process begins when the Payment request is initiated.
• Call to action email sent
  The system sends the branded email with a secure payment link.
• Email delivered / opened / link clicked
  These events confirm that the recipient received and engaged with the email. If there's no link click, the recipient likely hasn't started the process.
• Last time verified
  The recipient verifies their identity, for example using an SMS code or passphrase.
• Journey completed
  The recipient submits their payment details and completes the secure Payee Choice online form.
• Confirmation email sent
  The system sends a confirmation email to the recipient.

Processed

This stage shows how the system processes and delivers the payment.

• Processing started
  The system begins processing the payment using the submitted recipient details.
• Transaction submitted
  The system sends the payment to the payment network or banking partner.
• Transaction succeeded
  The receiving bank confirms that it accepted the payment.

Payment request succeeded

This stage confirms that the payment request completed successfully. No further action is required.