Transaction States and Events

Transaction States

This is where the funds are debited from the payor.

State	Description	Event
CAPTURE_PENDING	The transaction has been started.	TransactionStarted
CAPTURE_ACH_PENDING	The capture (debit) ACH from the payor has been picked up by the bank and we are waiting for the funds to be deposited into the GrailPay FBO account.	TransactionCaptureStarted
CAPTURE_ACH_FAILED	The capture (debit) ACH from the payor has failed. Due to the nature of ACH this may happen AFTER the payout has been completed.	TransactionFailed
CANCELED	The transaction was canceled upon request.	TransactionCanceled
CHARGEBACK	A chargeback was initiated by the payor.
CLAWBACK	The payout was clawed back from the payee because an NSF occurred after payout.	ClawbackComplete
INPAYOUT	The transaction has been included in either a direct or batch payout.	PayoutComplete

Sub-Operations

A successful transaction will only involve the capture and payout operations. Other sub-operations come into play based on different situations that can arise during or after the transaction has completed.

Payout States

This is where the funds are credited to the payee.

State	Description	Event
PAYOUT_PENDING_ACH	The payout credit to the payee has been started.
PAYOUT_ACH_PENDING	The payout ACH has been picked up by the bank and we are waiting for confirmation that the money has been sent.
PAYOUT_COMPLETE	We received confirmation that the money was sent to the payee and the payout ACH has been marked as completed.	PayoutCompleted
PAYOUT_ACH_FAILED	The payout ACH to the payee was unsuccessful.	PayoutFailed

ReversePayout States

In the rare event that a payout fails, this is where the funds are credited back to the payor.

State	Description	Event
REVERSE_PAYOUT_PENDING	The credit to the payer from the GrailPay FBO account has been started.	ReversePayoutStarted
REVERSE_PAYOUT_ACH_PENDING	The ACH credit has been picked up by the bank and GrailPay is waiting for confirmation that the money has been sent.
REVERSE_PAYOUT_ACH_COMPLETE	We received confirmation that the money was sent to the payor and reverse payout ACH has been completed.	ReversePayoutCompleted
REVERSE_PAYOUT_ACH_FAILED	The reverse payout ACH failed.	ReversePayoutFailed

Clawback

During an ACH transaction it is sometimes possible for the bank to reverse a debit from the payor after it has already cleared and been sent to the payee. In this instance, a clawback is performed to take the funds back from the payee.

State	Description	Event
CLAWBACK_ACH_PENDING	The ACH debit from the payee has been processed by the ban and we are waiting for confirmation that the funds to be deposited into the GrailPay FBO account.	ClawbackStarted
CLAWBACK_ACH_COMPLETE	The money cleared the GrailPay FBO account and the clawback has been completed.	ClawbackCompleted
CLAWBACK_ACH_FAILED	The clawback ACH from the payee was unsuccessful.	ClawbackFailed

Refund

After a transaction has been completed, a request can be made on behalf of the payee to return the money to the payer using the Refund a Transaction API.

State	Description	Event
REFUND_PENDING	The refund from the payee to the payer has been requested.	RefundPending
REFUND_CAPTURE_ACH_PENDING	The ACH debit from the payee to the GrailPay FBO account has been picked up by the bank and GrailPay is waiting for confirmation that the money has been sent.	RefundCaptureStarted
REFUND_ACH_PENDING	The ACH credit from the GrailPay FBO account to the payer has been initiated.	RefundCaptureCompleted
REFUND_COMPLETE	The refund process has been completed.	RefundPayoutCompleted
REFUND_FAILED	The refund capture process failed.	RefundFailed