{"title":"Grant lifecycle and status","category":"default","creationDate":1776961628,"content":"<p>Grants undergo changes over time and their status can be modified based on various events. For instance, grants that have been approved are automatically activated by a background processing system, which initiates the fund disbursement process.<\/p>\n<p>You can monitor changes in the grant status using either way:<\/p>\n<ul>\n<li>Call our  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/capital\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Capital API<\/a> and check the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/capital\/latest\/get\/grants\/(grantId)#responses-200-status-code\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">status.code<\/a> parameter in the response.<\/li>\n<li>Listen to the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/capital-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Capital webhooks<\/a>.<\/li>\n<\/ul>\n<p>The lifecycle of a grant consists of two main stages:<\/p>\n<ol>\n<li>\n<p><strong>Grant initiation:<\/strong> During this stage, Adyen prepares the requested offer as the user applies for business financing. Status updates at this stage trigger only capital webhook types. No transfers or transactions occur during grant initiation.<\/p>\n<\/li>\n<li>\n<p><strong>Grant management:<\/strong> This stage involves managing and overseeing the funds that have been disbursed to the user. Grant management status updates trigger capital, transfer, and transaction webhook types.<\/p>\n<\/li>\n<\/ol>\n<p>The following diagram and explanation detail the various grant statuses that occur during these two stages.<\/p>\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/07.capital\/12.grant-lifecycle-and-status\/grant-lifecycle.svg\" src=\"\">\n  <img alt=\"Grant lifecycle\" src=\"\/user\/pages\/docs\/07.capital\/12.grant-lifecycle-and-status\/grant-lifecycle.svg\" \/>\n<\/a><\/p>\n<h2>Grant initiation statuses<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: center;\">Status<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Requested<\/strong><\/span><\/td>\n<td>This status indicates the initial stage of the grant initiation process, showing that a formal request for a grant has been successfully submitted.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Reviewing<\/strong><\/span><\/td>\n<td>This status indicates that the user has accepted the offer, and Adyen conducts a thorough secondary review of the grant request. This re-evaluation is crucial, as it considers any changes in the user's financial situation or eligibility that may have occurred between the offer creation and acceptance, such as acquiring additional financial obligations from other financial products.<br><br>In specific situations, Adyen may require your users to provide additional information about their businesses, such as when the <a href=\"\/pt\/capital\/collect-user-data\">total user's exposure meets or exceeds the threshold<\/a>, typically EUR&nbsp;25,000.<br><br><strong>User action needed:<\/strong><ul><li>When requesting a higher grant amount, the user must submit the required information before the grant offer expires.<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Approved<\/strong><\/span><\/td>\n<td>This status indicates that the grant request has successfully met all necessary criteria and has received final approval from Adyen.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Rejected<\/strong><\/span><\/td>\n<td>This status indicates that the grant request did not meet the required criteria and has been declined by Adyen.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Cancelled<\/strong><\/span><\/td>\n<td>This status indicates that the user has chosen to withdraw their grant request. This action can occur at any point during the grant initiation stage, up until the grant transaction is formally booked and the grant transitions to the <span translate=\"no\"><strong>Pending<\/strong><\/span> status.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Grant management statuses<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: center;\">Status<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Pending<\/strong><\/span><\/td>\n<td>This status indicates that the user has accepted the offer, marking the completion of the grant initiation stage. The grant remains pending until: <ul><li>All required actions are completed on the user's side.<\/li><li>The grant transaction is booked to the user's balance account.<\/li><li>The security cooldown period ends. For example, if a user updates their bank account details (transfer instrument), Adyen waits 72 hours before processing transactions to the new account.<\/li><\/ul><br><strong>User action needed:<\/strong><ul><li>The user must sign the Terms of Service.<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Failed<\/strong><\/span><\/td>\n<td>This status indicates that the grant disbursement was unsuccessful. This can happen for various reasons, such as when the user fails to complete the required actions (like signing the Terms of Service) before the offer expires, or due to unforeseen technical or administrative issues.<br><br>This does not affect the user's future eligibility for business financing with Adyen.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Active<\/strong><\/span><\/td>\n<td>This status indicates that the grant has been successfully disbursed to the user, marking the beginning of the grant's active phase.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Repaid<\/strong><\/span><\/td>\n<td>This status indicates that the user has successfully met all repayment obligations, and the grant has been fully settled.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Revoked<\/strong><\/span><\/td>\n<td>This status indicates that the user has requested to revoke the grant. Depending on regional regulations, a grant may be legally revoked within a specified timeframe after offer acceptance. When a grant is revoked, the principle amount is paid off and the fees are waived.<br><br>This does not affect the user's future eligibility for business financing with Adyen.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span translate=\"no\"><strong>Written Off<\/strong><\/span><\/td>\n<td>This status indicates that the grant has been officially classified as a write-off, with the likelihood of recovering the outstanding amount very low.<br><br>The user will not qualify for business financing with Adyen for a certain period based on our risk appetite.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>See also<\/h2>\n<ul>\n<li><a href=\"\/pt\/capital\/webhook-types\">Webhook structures and types for Capital<\/a><\/li>\n<\/ul>","url":"https:\/\/docs.adyen.com\/pt\/capital\/grant-lifecycle-and-status","articleFields":{"description":"Learn how the grant status evolves throughout the grant lifecycle.","section_label":"API-only integration","feedback_component":true,"parameters":{"directoryPath":"\/capital","model":"platform","financialProduct":"capital"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/capital\/grant-lifecycle-and-status","title":"Grant lifecycle and status","content":"Grants undergo changes over time and their status can be modified based on various events. For instance, grants that have been approved are automatically activated by a background processing system, which initiates the fund disbursement process.\nYou can monitor changes in the grant status using either way:\n\nCall our  Capital API and check the  status.code parameter in the response.\nListen to the  Capital webhooks.\n\nThe lifecycle of a grant consists of two main stages:\n\n\nGrant initiation: During this stage, Adyen prepares the requested offer as the user applies for business financing. Status updates at this stage trigger only capital webhook types. No transfers or transactions occur during grant initiation.\n\n\nGrant management: This stage involves managing and overseeing the funds that have been disbursed to the user. Grant management status updates trigger capital, transfer, and transaction webhook types.\n\n\nThe following diagram and explanation detail the various grant statuses that occur during these two stages.\n\n  \n\nGrant initiation statuses\n\n\n\nStatus\nDescription\n\n\n\n\nRequested\nThis status indicates the initial stage of the grant initiation process, showing that a formal request for a grant has been successfully submitted.\n\n\nReviewing\nThis status indicates that the user has accepted the offer, and Adyen conducts a thorough secondary review of the grant request. This re-evaluation is crucial, as it considers any changes in the user's financial situation or eligibility that may have occurred between the offer creation and acceptance, such as acquiring additional financial obligations from other financial products.In specific situations, Adyen may require your users to provide additional information about their businesses, such as when the total user's exposure meets or exceeds the threshold, typically EUR&nbsp;25,000.User action needed:When requesting a higher grant amount, the user must submit the required information before the grant offer expires.\n\n\nApproved\nThis status indicates that the grant request has successfully met all necessary criteria and has received final approval from Adyen.\n\n\nRejected\nThis status indicates that the grant request did not meet the required criteria and has been declined by Adyen.\n\n\nCancelled\nThis status indicates that the user has chosen to withdraw their grant request. This action can occur at any point during the grant initiation stage, up until the grant transaction is formally booked and the grant transitions to the Pending status.\n\n\n\nGrant management statuses\n\n\n\nStatus\nDescription\n\n\n\n\nPending\nThis status indicates that the user has accepted the offer, marking the completion of the grant initiation stage. The grant remains pending until: All required actions are completed on the user's side.The grant transaction is booked to the user's balance account.The security cooldown period ends. For example, if a user updates their bank account details (transfer instrument), Adyen waits 72 hours before processing transactions to the new account.User action needed:The user must sign the Terms of Service.\n\n\nFailed\nThis status indicates that the grant disbursement was unsuccessful. This can happen for various reasons, such as when the user fails to complete the required actions (like signing the Terms of Service) before the offer expires, or due to unforeseen technical or administrative issues.This does not affect the user's future eligibility for business financing with Adyen.\n\n\nActive\nThis status indicates that the grant has been successfully disbursed to the user, marking the beginning of the grant's active phase.\n\n\nRepaid\nThis status indicates that the user has successfully met all repayment obligations, and the grant has been fully settled.\n\n\nRevoked\nThis status indicates that the user has requested to revoke the grant. Depending on regional regulations, a grant may be legally revoked within a specified timeframe after offer acceptance. When a grant is revoked, the principle amount is paid off and the fees are waived.This does not affect the user's future eligibility for business financing with Adyen.\n\n\nWritten Off\nThis status indicates that the grant has been officially classified as a write-off, with the likelihood of recovering the outstanding amount very low.The user will not qualify for business financing with Adyen for a certain period based on our risk appetite.\n\n\n\nSee also\n\nWebhook structures and types for Capital\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Capital","lvl2":"Grant lifecycle and status"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/capital","lvl2":"\/pt\/capital\/grant-lifecycle-and-status"},"levels":3,"category":"","category_color":"","tags":["Grant","lifecycle","status"]},"articleFiles":{"grant-lifecycle.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.capital\/12.grant-lifecycle-and-status\/grant-lifecycle.svg\" \/>"}}