Understanding Payment Initiation Status: Values and Meaning
The table below lists the
Any encountered status that is not listed in the table has been deprecated. It will be removed in the future.
Please do not rely on any status not specified below.
Status | Description |
Final/Intermediate |
---|---|---|
INVALID_STATUS | The raw bank status could not be mapped to a valid status |
Intermediate |
SUCCESS | The final status received from the bank indicates a successful payment initiation |
Final |
FAILURE_GENERIC | Usually a tech failure. Possibly, a failure callback was received from the bank with no transaction status and no further information |
Final |
FAILURE_PERMISSION_DENIED | User was denied authorization at the bank. Only relevant for 2-step banks |
Final |
PROCESSING | Transaction is in process and no final status has been received from the bank yet |
Intermediate |
FAILURE_CANCELED | Usually indicates user cancelation. Mapped from ISO20022 status CANC |
Final |
FAILURE_EXPIRED | No callback has been received from the bank to notify that the user completed authorization during the required timeframe of 15 minutes after transaction creation, and the transaction expired. Only relevant for 1-step banks |
Final |
PENDING_EXTERNAL_AUTHORIZATION | Waiting for user authorization at the bank. Will transition to FAILURE_EXPIRED if the user does not authorize within 15 minutes. Only relevant for 1-step banks |
Intermediate |
INITIATED | Status has automatically been set to INITIATED because the status has stayed in PROCESSING for 30 days and cannot be otherwise updated |
Final |
FAILURE_DECLINED | Usually indicates bank rejection. Mapped from ISO20022 status RJCT |
Final |
Bank-generated paymentId and paymentStatus are included in the payment status response. However, all banks do not return the “final” status to
Please be aware that
For non-instant transfers, TPPs are strongly advised to look at the combination of statuses —
A unique paymentId — DomesticPaymentID defined in the OBIE Open Banking Specification — is provided by UK banks to aid in resolving any domestic payment issues that arise.