Payment Status: Values and Meaning

The table below lists the Token status values for a transfer token and its corresponding definition.

Transaction Status

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

FAILURE_DECLINED

Transaction is rejected due to the due to the state of the user account ("NSF," Canceled by user," "Account Closed," etc.)

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

STATUS_NOT_AVAILABLE

Transfer status cannot be determined

Bank-generated payment_id and payment_status are also included in the payment status response. For OBIEClosedOpen 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 NextGenPSD2ClosedCommon API standard for PSD2 developed by the Berlin Group to create uniform and interoperable communications between banks and TPPs./STETClosedCreated 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. PROCESSING
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_idDomesticPaymentID 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.