Open Banking payments transition through various statuses through their lifecycle. This section describes each of these statuses and the Webhooks that may be generated as statuses transition.
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Open Banking Payments transition from an initial PENDING to any one of a number of possible statuses (note that some statuses are Nuapay-specific and are only relevant if you are using a Nuapay beneficiary account for your Open Banking payments). The various statuses possible are presented below in a table and as a state diagram:

The following table gives an overview of each possible status and, if applicable, the Webhook event triggered:

Status Description Nuapay-Specific? Final Status? Webhook Triggered? Webhook Link
PENDING [Relevant for Checkout mode only] The payment has been created: the merchant has initiated the POST/payments call but the PSU has not yet selected the required bank. Yes No No N/A
CONSENT_API_REJECTED There was a technical issue at the ASPSP; no further processing will be possible. No No Yes PaymentRejected
PENDING_APPROVAL The approval for the payment is pending: the PSU has not yet approved the payment on the ASPSP. No No No N/A
OAUTH_CALLBACK_COMPLETE The ASPSP has informed Nuapay that the payment has been authorised/declined by the PSU No No No N/A
AUTHORISED The PSU has authorised the payment at the ASPSP. No No No N/A
DECLINED The PSU has declined the payment at the ASPSP. No Yes Yes PaymentRejected
FUNDS_CHECK_TIMEOUT The response to the funds check is later than the configured timeout. No Yes No N/A
FUNDS_CHECK_FAILED The funds check has indicated that there are insufficient funds to complete the payment. No Yes No N/A
FUNDS_CHECK_PASSED Sufficient funds are available to complete the payment. No No No N/A
SETTLEMENT_PENDING The payment has been authorised but has not yet transitioned to SETTLEMENT_IN_PROGRESS status. No No No N/A
SETTLEMENT_IN_PROGRESS The settlement is being processed by the ASPSP. The payment will generally move to SETTLEMEMT_COMPLETE after this status. For high value goods we recommend waiting for a final status before processing the order. No No Yes PaymentInProgress
SETTLEMENT_COMPLETE The ASPSP has debited the payment from the PSU’s account. This may be treated as a Final status if the merchant does not have a Nuapay account; in this case, the merchant should confirm the crediting of its account before shipping goods. No Conditional Yes PaymentCompleted
SETTLEMENT_REJECTED The settlement has not been completed and won’t be in future. This is a Final status; the merchant should not ship goods. No Yes Yes PaymentRejected
PAYMENT_RECEIVED The settlement amount has been credited to the merchant’s Nuapay account. No No Yes PaymentReceived
TIMEOUT [Relevant for Checkout mode only] The payment timed out - this may happen where the user fails to progress to the ASPSP from the TPP before the merchant-configured time out period e.g. if the user has not selected an option on the Bank Select screen within the required time period. Yes Yes Yes PaymentTimeout
CONSENT_TIMEOUT The PSU provided his/her consent but the merchant-defined timeout period has elapsed. No payment will be attempted. No Yes Yes PaymentTimeout
PAYMENT_REVERSED A payment that was previously received is credited back to the PSU. A payment is typically reversed where the merchant deems it appropriate to refund a customer (following a complaint, for example). Yes Yes Yes PaymentReversed
PAYMENT_REVERSAL_REJECTED A payment credited to the PSU has been rejected by the beneficiary bank for a specific reason (e.g. the account is closed). Yes Yes No N/A
UNEXPECTED_ERROR A processing error has occurred. This may be due to connectivity issues between ASPSP and the TPP for example. No Yes No N/A
UNKNOWN After transitioning to AUTHORISED, the TPP cannot determine the status of the payment at the ASPSP (e.g. after receiving a 500 HTTP response) . No Yes No N/A

The diagram below illustrates all possible statuses, with the happy path highlighted in green.

Payment Statuses
Payment Statuses