Transaction Scenarios - Direct Payouts

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.