When you GET a payment session with a payment ID, or when you receive a webhook from Banked, the JSON payload will contain a state field which will tell you about the state of the payment. This page provides details about the values used in the state field for payment sessions and refunds.
Payment Session States
| State | Description |
|---|---|
awaiting_provider | A Banked payment link has been generated, but the user has not selected a provider. |
awaiting_payment_consent | The user is in the authorisation process with their bank. |
initiated | The bank has received the transaction request. |
pending | The user's bank has accepted the payment and is processing it. Pending status may be skipped for some payments. |
sent | The payment has been sent. The money has left the user's account and cannot be recalled. |
failed | The payment has failed. |
Refund States
| State | Description |
|---|---|
awaiting_details | The refund has been initiated, but the details of where to send the refund are missing. An automated email has been sent to the end-user from Banked requesting details. |
awaiting_payment | The refund has been initiated and all the details are in place. The merchant needs to authorise the refund transaction before the money can move. |
sent | The refund has been successfully sent. |
failed | The refund has failed, see below. |
externally processed | The refund has been marked as externally processed. This means that the merchant or partner has handled the refund outside of Banked. |
What can cause a 'pending' state?
Payments may enter a Pending state when Banked is unable to confirm if a payment has been sent or failed. The pending state is most commonly seen for a brief period of time between the payment being authorised by the user, and the bank confirming that the money has left the user’s account, and is not a cause for concern.
If a payment remains in a pending state for a longer period, this could be due to one of the reasons listed below:
- Payer account requires multi authorisation and one or more of these have not been given. An example of this may be a joint account where not all parties have authorised the payment.
- The payer’s bank is performing additional security checks on the payment. This is most common with higher or unusual payments and is usually resolved in a couple of hours.
- A technical error has occurred during the payment process, and Banked are unable to retrieve the status of the payment. This is extremely rare. The Banked support team will be alerted to these and will manually confirm the payment’s status with the payer’s bank.
How can this status be resolved?
Integrating with Banked webhooks is the best way to be alerted to a payment status change. In most cases, a pending payment will be resolved quickly. If you have an urgent query about a pending payment, or if your payment has been in a pending state for longer than 24 hours, please contact support@banked.com with your payment ID.
What can cause a 'failed' state?
There are several reasons why a payment could be in a failed state:
- The originating bank refused to send the payment (e.g. because there are some restrictions on that users account like anti money-laundering).
- The originating bank cannot send the payment (e.g. because of some internal error).
- The user's account has insufficient funds.
- The user refused consent during the authorisation flow.
- The account information in the
payeefield cannot receive payments (e.g. the sort code and account number are invalid or on a bank watch list). - There is something wrong with the payment network.
When will my account receive the funds after a 'sent' status?
When a payment enters the sent state it has been accepted into the payment network. Payments usually arrive within minutes, although sometimes they can take longer.
It's important to note that once the payment is in the sent state it cannot be recalled by the sender, and all payments that enter the payment network will be delivered.