Payment Statuses

Payment status changes based on various scenarios, such as whether the payment succeeds or fails.

Learn about the different statuses, and what to do at each stage of a payment's life cycle here.



  • A payment has been created successfully and awaiting payment action from end-customer.
  • Only applicable to payment methods with "delayed success confirmation"


  • Xfers has detected incoming payments, or has started processing the payment.


  • The payment is successful. However, the funds are still pending and will not yet be available for withdrawal or transfers.
  • At this stage, you may inform your end-customer of a successful payment, and you may proceed to fulfill your goods or services.


  • At this stage, the payment is fully complete and funds have been made available for you to withdraw to your bank account, or to transfer for other purposes.


  • Cancellation of a payment is only possible if a payment is still in pending status.
  • Also, payments captured by persistent payment methods cannot be cancelled.
  • A cancelled status means that a payment has been cancelled, and will no longer be able to capture payments or change to other states.
  • Any associated payment method will no longer accept incoming payments.


  • Payment will be made expired if payment not being made after certain period of time.
  • You may set the expiration time upon creation of Payment object.
  • Also, persistent payment methods cannot be expired.


  • Payments can fail for various reasons.
  • Payments can sometimes be declined by the payment network, or can sometimes be due to high fraud score.
  • Other reasons could be because of errors made when the end-customer was trying to make a payment. For example, sending of wrong amount, or to a wrong account.
Error Messages
  • Failed payments should come with corresponding error messages. See Handling Errors to learn more about handling each error type.
Handling Failed Payments
  • You should reach out to your end-customer to prompt them to attempt to make the payment again, or to provide them with an alternative payment method.

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