Payment Status Model
Payment status changes
Every SmartPay checkout transaction may go through a number of statuses, depending on what happens to the payment.
Below, we will list and explain every possible payment transactions status and you will find a diagram outlining the connection between the statuses.
Payment transaction status
CREATED
The checkout transaction has been created and is ready to be used for rendering the payment form in your checkout journey.
SmartPay will not call your webhook for this status.
AUTORIZATION_INITIALIZED
Temporary status that occurs after the consumer selected a payment option and started, but not yet completed, the checkout process.
No action required from your side, SmartPay will handle the consumer journey and the subsequent authorization process with the payment provider.
AUTHORIZATION_COMPLETED
If a payment option supports captures and auto-capture is not enabled for your merchant account, then the checkout transaction will have this status as long as new captures can be created.
At this point in times, funds are only blocked on the consumers funding source.
SmartPay will call your webhook for this status change. This is especially useful for asynchronous payment options like PayU, where the authorization confirmation can take up to 30 minutes.
CAPTURE_PENDING
Temporary status, that occurs when requested for capture was received. but not yet confirmed by the payment provider.
No actions required from your side, SmartPay will handle the capture request with the payment provider.
CAPTURED
This status occurs when the payment has been completed and the funds are being collected by J.P. Morgan Mobility Payments Solutions S.A. for settlement on your merchant account.
SmartPay will call your webhook on this status change.
SETTLED
The funds are settled to your merchant account at J.P. Morgan Mobility Payments Solutions S.A. and ready for payout according to your respective payout schedule.
SmartPay will call your webhook on this status change.
EXPIRED
The payment has expired, e.g. you did not capture the transaction or your customer has abandoned the payment. Eventually blocked funds are released to your consumer's funding source.
SmartPay will call your webhook on this status change.
FAILED
The payment has failed and cannot be completed.
SmartPay will call your webhook on this status change.
CANCELLATION_PENDING
Your cancel API request is being processed but not confirmed by the payment provider yet.
No actions required from your side, SmartPay will handle the cancel request with the payment provider.
CANCELED
Your checkout transaction has been canceled as requested.
SmartPay will call your webhook on this status change.
CHARGEBACK
Your checkout transaction was object of a chargeback.
SmartPay will call your webhook on this status change.
Not all payment options support an authorization before capture. Those transactions would directly transition from AUTHORIZATION INITIALIZED to CAPTURED.
Refund transaction status
REFUND PENDING
Your refund request has is being processed with the payment provider.
No actions required from your side, SmartPay will handle the request with the payment provider.
REFUNDED
Your refund request has been processed successfully.
SmartPay will call your webhook on this status change.
REFUND QUEUED
Sometimes a refund can not be executed immediately (e.g. due to insufficient balance on your merchant account). In that case, this refund status is set.
No actions required from your side, SmartPay will process the request soon as it's possible.
REFUND CANCELED
A queued refund might be cancelled, in case it cannot be processed in time or you call SmartPay with a cancel request.
SmartPay will call your webhook on this status change.
FAILED
Your refund request failed, e.g. due to issues on the payment provider side. In this case, you may retry your refund request or notify our customer support.
SmartPay will call your webhook on this status change.
Payment expiry
A payment may expire due to two reasons:
- Abandoned payment authorization: Your customer decides to not make a payment or fails to complete the payment authorization process within 28 minutes. (AUTHORIZATION INITIALIZED to EXPIRED)
- Expired payment authorization: You did not capture an authorized transaction within the given time and the blocked funds are release back on the consumer's funding source. (AUTHORIZED to EXPIRED) Expiry times are defined by the payment provider and usually around 7 days.
Your webhook will be called to notify you about any transaction expiry.
Webhook notifications
SmartPay uses webhooks to process real-time status updates for any final payment transaction status change. When SmartPay calls your webhook, you should request the latest status from SmartPay and process it if the status was changed.
Please contact your Product Solutions Specialist if you wish to use our webhook service.