Payment Status: Values and Meaning
The table below lists the Token status values for a transfer token and its corresponding definition.
|
Value |
Status |
Description |
|---|---|---|
| 0 | INVALID_STATUS | Status of the transaction is otherwise unknown |
| 1 | PENDING | Transaction has been submitted and is pending bank action |
| 2 | SUCCESS | Transaction has been successfully executed |
|
3 |
FAILURE_INSUFFICIENT_FUNDS |
Transaction failed due to insufficient funds in debtor account |
|
4 |
FAILURE_INVALID_CURRENCY |
Transaction failed due to a an unsupported currency or currency mismatch |
|
5 |
FAILURE_GENERIC | Transaction failed due to reasons other than those included in this list |
|
6 |
FAILURE_PERMISSION_DENIED |
Transaction failed due to an access violation |
|
7 |
PROCESSING |
Transaction is being processed by the bank |
|
8 |
RESERVED |
|
|
9 |
RESERVED |
|
|
10 |
FAILURE_CANCELED |
Transaction failed due to cancellation/roll back by the user |
| 11 | FAILURE_QUOTE_EXPIRED | Transaction failed due to expiration of the quoted exchange rate |
| 12 | FAILURE_INVALID_AMOUNT | Transaction failed due to an invalid/unsupported amount |
| 13 | FAILURE_INVALID_QUOTE | Transaction failed due to an invalid exchange rate |
|
14 |
FAILURE_EXPIRED |
Transaction failed to complete within the allotted time |
|
15 |
PENDING_EXTERNAL_AUTHORIZATION |
Transaction requires authorisation by the user-accountholder to complete |
|
16 |
SENT |
Transaction has been submitted but has not been acknowledged by the bank |
|
17 |
INITIATED |
Transaction has been initiated |
|
18 |
FAILURE_DECLINED |
Transaction is rejected due to the due to the state of the user account ("NSF," Cancelled by user," "Account Closed," etc.) |
|
19 |
STATUS_NOT_AVAILABLE |
Transfer status cannot be determined |
Bank-generated payment_id and payment_status are also included in the payment status response. For OBIE
Open Banking Implementation Entity – organization created by the CMA (Competition and Markets Authority) to deiver APIs, data structures and security architectures that enable developers to harness technology, making it easy and safe for account holder's to share their financial information held by the banks with third parties. and NextGenPSD2Common API standard for PSD2 developed by the Berlin Group to create uniform and interoperable communications between banks and TPPs./STETCreated according to the new Payment Services Directive (PSD2), this API aims to provide a secure and easy-to-use set of services to be implemented by European ASPSPs. banks, payment_status in the bank response respectively maps to these existing Token Status codes:
| Bank-generated Status | Definition | Token Status |
|---|---|---|
| OBIE | ||
| Pending | Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed. | PROCESSING |
| AcceptedSettlementInProcess | All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution. | PROCESSING |
| AcceptedSettlementCompleted | Settlement on the debtor's account has been completed. | SUCCESS |
| AcceptedWithoutPosting | Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account. | INITIATED |
| AcceptedCreditSettlementCompleted | Settlement on the creditor's account has been completed. | SUCCESS |
| Rejected | Payment initiation or individual transaction included in the payment initiation has been rejected. | FAILURE |
| NextGenPSD2/STET | ||
| [ACCC] AcceptedSettlementCompleted creditor | Settlement on the creditor's account has been completed. | PROCESSING |
| [ACCP] AcceptedCustomerProfile | Preceding check of technical validation was successful. Customer profile check was also successful. | SUCCESS |
| [ACSC] AcceptedSettlementCompleted |
Settlement on the debtor’s account has been completed. Usage: this can be used by the first agent to report to the debtor that the transaction has been completed. Warning: this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement. |
PROCESSING |
| [ACSP] AcceptedSettlementInProcess | All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution. | SUCCESS |
| [ACTC] AcceptedTechnicalValidation | Authentication and syntactical and semantical validation are successful. | PROCESSING |
| [ACWC] AcceptedWithChange | Instruction is accepted but a change will be made, such as date or remittance not sent. | PROCESSING |
| [ACWP] AcceptedWithoutPosting | Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account. | PROCESSING |
| [RCVD] Received | Payment initiation has been received by the receiving agent. | PROCESSING |
| [PDNG] Pending | Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed. | PROCESSING |
| [RJCT] Rejected | Payment initiation or individual transaction included in the payment initiation has been rejected. | FAILURE |
| [CANC] Cancelled |
Payment initiation has been cancelled before execution. This code is accepted as a new code by ISO 20022. |
FAILURE |
| [ACFC] AcceptedFundsChecked |
Preceding check of technical validation and customer profile was successful and an automatic funds check was positive. This code is accepted as a new code by ISO 20022. |
PROCESSING |
| [PATC] PartiallyAcceptedTechnicalCorrect |
The payment initiation needs multiple authentications, where some, but not yet all, have been performed. Syntactical and semantic validations are successful. This code is accepted as a new code by ISO 20022. |
PROCESSING |
| [PART] PartiallyAccepted |
A number of transactions have been accepted, whereas another number of transactions have not yet achieved 'accepted' status. This code may be used only in case of bulk payments. It is only used in a situation where all mandated authorisations have been applied, but some payments have been rejected. |
PROCESSING |
A unique payment_id — DomesticPaymentID defined in the OBIE Open Banking Specification — is provided by the bank to aid in resolving any payment issues that arise.
In terms of transfer processing, status values can be classified by phase — Queued, Intermediate, and Final — as defined in the following diagram.
