Payment pending

Triggered after a payment has been authorised but before we have received confirmation that the payment has left the payer's account.

Webhooks are configured through the Banked console and are the recommended method for obtaining a payments status (as opposed to polling the payment status via our API).


Some payment sessions may skip the "pending" status

In some cases, payment sessions may go straight to one of the final states of "sent" or "failed".

An example pending webhook payload

  "amount": 1,
  "created_at": "2019-10-31 16:45:34 UTC",
  "currency": "GBP",
  "end_to_end_id": null,
  "error_url": "",
  "id": "a6941fd1-f5cb-4948-814d-df03540149fb",
  "line_items": [
      "amount": 1,
      "currency": "GBP",
      "description": null,
      "name": "Candle",
      "quantity": 1
  "live": true,
  "payee": {
    "account_number": "12345678",
    "name": "Gerard Wiley",
    "sort_code": "123456"
  "reference": "Illuminate",
  "state": "pending",
  "sent_at": null,
  "success_url": "",
  "url": "",
  "email_receipt": true,
  "webhook_event": "payment_pending",
  "webook_type": "payment_session"