Scenario: Direct Payouts
Successful Transaction
Section titled “Successful Transaction”States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”
History
Section titled “History”- Transaction started.
- Capture from payor completed.
- Payout to payee completed.
- Transaction completed.
Cancelled Transaction Before Capture
Section titled “Cancelled Transaction Before Capture”This when a transaction is cancelled. Currently they can only be cancelled in the CAPTURE_PENDING state.
States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”History
Section titled “History”- Transaction started.
- Transaction cancelled.
- Transaction completed.
Transaction Failed: NSF on Capture
Section titled “Transaction Failed: NSF on Capture”This happens when the payor does not have enough funds available.
States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”History
Section titled “History”- Transaction started.
- Capture from payor failed.
- Transaction completed.
Transaction Failed: NSF After Capture Before Payout
Section titled “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
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”
History
Section titled “History”- Transaction started.
- Capture from payor completed.
- NSF signaled from bank.
- Transaction completed.
Transaction Failed: NSF After Payout
Section titled “Transaction Failed: NSF After Payout”This happens when the bank signals an NSF after the payout has completed.
States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”
History
Section titled “History”- Transaction started.
- Capture from payor completed.
- Payout to payee completed.
- NSF signaled from bank.
- Clawback from payee completed.
- Transaction completed.
Chargeback
Section titled “Chargeback”This happens when the payor notifies the bank that they did not authorize the charge.
States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”
History
Section titled “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
Section titled “Refund”This happens when the payee issues a refund.
States
Section titled “States”
Flow of Funds
Section titled “Flow of Funds”
History
Section titled “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
Section titled “Payout Failed”This happens when the credit to the payee fails, typically because of an incorrect account/routing number.
States
Section titled “States”Flow of Funds
Section titled “Flow of Funds”
History
Section titled “History”- Transaction started.
- Capture from payor completed.
- Payout to payee failed.
- Funds returned to payor.
- Transaction completed.
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