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Successful Transaction

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States

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Flow of Funds

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History

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

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Cancelled Transaction Before Capture

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

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States

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Flow of Funds

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History

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

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Transaction Failed: NSF on Capture

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

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States

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Flow of Funds

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History

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

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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.

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States

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Flow of Funds

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History

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

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Transaction Failed: NSF After Payout

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

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States

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Flow of Funds

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History

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

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Chargeback

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

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States

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Flow of Funds

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History

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

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Refund

This happens when the payee issues a refund.

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States

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Flow of Funds

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History

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

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Payout Failed

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

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States

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Flow of Funds

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History

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