Documentation

Transaction Scenarios - Direct Payouts

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Successful Transaction

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • Payout to payee completed.
  • Transaction completed.

Cancelled Transaction Before Capture

This when a transaction is cancelled. Currently they can only be cancelled in the CAPTURE_PENDING state.

States

Flow of Funds

History

  • Transaction started.
  • Transaction cancelled.
  • Transaction completed.

Transaction Failed: NSF on Capture

This happens when the payor does not have enough funds available.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor failed.
  • Transaction completed.

Transaction Failed: NSF After Capture Before Payout

This happens when the bank allows the capture to happen then signals an NSF before the payout is completed.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • NSF signaled from bank.
  • Transaction completed.

Transaction Failed: NSF After Payout

This happens when the bank signals an NSF after the payout has completed.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • Payout to payee completed.
  • NSF signaled from bank.
  • Clawback from payee completed.
  • Transaction completed.

Chargeback

This happens when the payor notifies the bank that they did not authorize the charge.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • Payout to payee completed.
  • Payor initiates chargeback.
  • Funds returned to payor.
  • Clawback from payee completed.
  • Transaction completed.

Refund

This happens when the payee issues a refund.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • Payout to payee completed.
  • Payee initiates refund.
  • Clawback from payee completed.
  • Funds returned to payor.
  • Transaction completed.

Payout Failed

This happens when the credit to the payee fails, typically because of an incorrect account/routing number.

States

Flow of Funds

History

  • Transaction started.
  • Capture from payor completed.
  • Payout to payee failed.
  • Funds returned to payor.
  • Transaction completed.

Updated 8 days ago