When you GET a payin with a payin ID, or when you receive a webhook from Banked, the JSON payload will contain a status_details.status field which will tell you about the status of the payin. This page provides details about the values used in the status_details.status field for payins.
This guide will walk you through:
- Payin Status: what they mean and how they are used.
- What can cause a 'PENDING' status?
- What can cause a 'FAILED' status?
- When will my account receive the funds after a 'SENT' status?
Payin Status
| Status | Description |
|---|---|
CREATED | A payin has been created, but the customer has not yet begun authorization. |
AWAITING_AUTHORIZATION | The customer is in the authorization process with their bank. |
INITIATED | The bank has received the transaction request. |
PENDING | The customer's bank has accepted the payment and is processing it. This status may be skipped for some payments. |
SENT | The payment has been sent. The money has left the customer's account and cannot be recalled. |
FAILED | The payment has failed. |
CANCELED | The payin was canceled before completion. |
What can cause a 'PENDING' status?
Payins may enter a PENDING status when Banked is unable to confirm if a payment has been sent or failed. The pending status is most commonly seen for a brief period of time between the payment being authorized by the customer, and the bank confirming that the money has left the customer's account, and is not a cause for concern.
If a payin remains in a pending status for a longer period, this could be due to one of the reasons listed below:
- Payer account requires multi authorization and one or more of these have not been given. An example of this may be a joint account where not all parties have authorized 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 payin status change. In most cases, a pending payin will be resolved quickly. If you have an urgent query about a pending payin, or if your payin has been in a pending status for longer than 24 hours, please contact support@banked.com with your payin ID.
What can cause a 'FAILED' status?
There are several reasons why a payin could be in a FAILED status. Additional detail is provided in the status_details.reason field:
- The originating bank refused to send the payment (e.g. because there are some restrictions on that user's account like anti money-laundering).
- The originating bank cannot send the payment (e.g. because of some internal error).
- The customer's account has insufficient funds.
- The customer refused consent during the authorization flow.
- The account information in the
creditor_accountfield cannot receive payments (e.g. the bank account is 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 payin enters the SENT status it has been accepted into the payment network. Payments usually arrive within seconds via Australia's New Payments Platform (NPP), although sometimes they can take longer.
It's important to note that once the payin is in the SENT status it cannot be recalled by the sender, and all payments that enter the payment network will be delivered.