Payments lifecycle

The payment goes through different stages to be processed. These stages define the state of the payment in a transaction.

When a shopper completes a payment session in the Adyen payments platform, the payment attempt is recorded in a temporary transaction database, where the corresponding data is queued for transfer to the Customer Area.

This causes a lag between the actual payment time, and the moment when the same payment becomes available on the payment list in the Customer Area.

To calculate the delay:

  • Log in to the Customer Area with your credentials.
  • From the navigation sidebar on the left, select Home.
  • On your account's home page, browse for the System Overview widget.
  • Under System Overview, you can see Current system time and Backoffice up-to-date till.
Current system time - Backoffice up-to-date = lag length

Regardless the payment method a shopper uses to complete a transaction, each payment goes through the same basic status sequence. A status is final if it does not allow transitioning to any other statuses within the process.

These are the available payment statuses in the Adyen payments platform (possible dispute/chargeback process statuses are not included in the diagram).

Payment status Description

Received

Registration of a validated payment attempt.

This is the initial state for all payments.

AuthorisedPending

The Issuer authorization is pending confirmation from the PED on the card as well as POS accepting the issuer authorization.

This status applies to POS payments only.

Authorised

The payment is approved by the financial institution.

This state serves as an indicator to proceed with the delivery of goods and services.

For POS payments, confirmation of an approved transaction from the Cash Register is the decision point to hand over goods.

Refused

The payment was declined by the financial institution.

The payment is also refused if the fraud score exceeds 99 points.

This is a final state.

Error

A payment attempt was validated and received correctly, but an error occurred while communicating with the financial institution.

The payment is assigned an error state.

This is a final state.

Cancelled

A cancellation blocks funds transfer for an authorised payment.

It is possible to cancel a payment only if it has not yet reached the SentForSettle state.

You can submit a cancellation with a modification API call, or in the payment detail page in the Adyen Customer Area (CA).

This is a final state.

Expired

When an authorised payment is still open after 4 weeks, i.e. it has not been cancelled or captured, it is automatically set to Expired.

When a payment reaches the Expired state, it is no longer possible to capture it to transfer funds.

This is a final state.

SentForSettle

The request for transferring the funds has been sent to the financial institution.

When a payment reaches the SentForSettle state, it is no longer possible to cancel it.

The only way to reverse the payment is to refund it. Depending on the payment method used in the transaction, it may or not be possible to carry out a refund.

Only Authorised payments can change their state to SentForSettle state. Payments can transition to SentForSettle in one of the following ways:

  • By sending a capture request call via the modification API.
  • In the payment detail page in the Adyen Customer Area (CA).
  • By enabling the auto-capture feature in the Adyen Customer Area (CA).
    This is the default option.

Settled

The financial institution has transferred the funds to Adyen.

Since Sept. 10 th 2015, BulkSettlement replaces Settled in transactions carried out through Adyen Acquiring.

SentForRefund

The request to reimburse the shopper has been sent to the financial institution.

It is not possible to reverse a refund request.

Only payments that have already transitioned through the SentForSettle state are eligible for refunds.

Since Sept. 10 th 2015, RefundedBulk replaces Refunded and SentForRefund in transactions carried out through Adyen Acquiring.

Refunded

The financial institution has completed the reimbursement to the shopper.

Since Sept. 10 th 2015, RefundedBulk replaces Refunded and SentForRefund in transactions carried out through Adyen Acquiring.
SettledBulk

Credit

Replaces the existing SentForSettle Journal line in transactions carried out through Adyen Acquiring. This is a final status for a transaction in the Adyen Customer Area and Merchants can expect the funds.

Displayed in:

  • Customer Area
  • Monthly Finance Report
  • Daily Finance Report
  • Payment Accounting Report

Applies only to the following schemes:

RefundedBulk

Debit

Replaces the existing SentForRefund and Refunded Journal lines in transactions carried out through Adyen Acquiring.
Displayed in:

  • Customer Area
  • Monthly Finance Report
  • Daily Finance Report
  • Payment Accounting Report

Applies only to the following schemes:

BulkSettlement

Credit

Replaces the current Settled Journal in transactions carried out through Adyen Acquiring. This Journal line is not displayed in the Payments view in the Adyen Customer Area.

Displayed in:

  • Monthly Finance Report
  • Daily Finance Report

Applies only to the following schemes:

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