Payment Status: Values and Meaning

The table below lists the Token status values for a transfer token and its corresponding definition.

Transaction Status
Value Status Description
0 INVALID_STATUS Status of the transaction is otherwise unknown
1 PENDING Transaction has been submitted and is pending bank action
2 SUCCESS Transaction has been successfully executed
3 FAILURE_INSUFFICIENT_FUNDS Transaction failed due to insufficient funds in debtor account
4 FAILURE_INVALID_CURRENCY Transaction failed due to a an unsupported currency or currency mismatch
5 FAILURE_GENERIC Transaction failed due to reasons other than those included in this list
6 FAILURE_PERMISSION_DENIED Transaction failed due to an access violation
7 PROCESSING Transaction is being processed by the bank
8 RESERVED
9 RESERVED
10 FAILURE_CANCELED Transaction failed due to cancellation/roll back by the user
11 FAILURE_QUOTE_EXPIRED Transaction failed due to expiration of the quoted exchange rate
12 FAILURE_INVALID_AMOUNT Transaction failed due to an invalid/unsupported amount
13 FAILURE_INVALID_QUOTE Transaction failed due to an invalid exchange rate
14 FAILURE_EXPIRED Transaction failed to complete within the allotted time
15 PENDING_EXTERNAL_AUTHORIZATION Transaction requires authorisation by the user-accountholder to complete
16 SENT Transaction has been submitted but has not been acknowledged by the bank
17 INITIATED

Transaction has been initiated

18 FAILURE_DECLINED Transaction is rejected due to the due to the state of the user account ("NSF," Cancelled by user," "Account Closed," etc.)
19 STATUS_NOT_AVAILABLE Transfer status cannot be determined

Bank-generated payment_id and payment_status are also included in the payment status response. The table below shows the mapping of bank-returned payment status to Token’s payment status for most banks. In some cases, however, Token’s mapping may differ. This is because all banks do not return the “final” status to Token, and the flow is therefore considered successful at an earlier state of the transaction.

Bank-generated Status Definition Token Status
OBIE
Pending Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed. PROCESSING
AcceptedSettlementInProcess All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution. PROCESSING
AcceptedSettlementCompleted Settlement on the debtor's account has been completed. SUCCESS
AcceptedWithoutPosting Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account. INITIATED
AcceptedCreditSettlementCompleted Settlement on the creditor's account has been completed. SUCCESS
Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. FAILURE
NextGenPSD2/STET
[ACCC] AcceptedSettlementCompleted creditor Settlement on the creditor's account has been completed. PROCESSING
[ACCP] AcceptedCustomerProfile Preceding check of technical validation was successful. Customer profile check was also successful. SUCCESS
[ACSC] AcceptedSettlementCompleted

Settlement on the debtor’s account has been completed.

Usage: this can be used by the first agent to report to the debtor that the transaction has been completed.

Warning: this status is provided for transaction status reasons, not for financial information. It can only be used after bilateral agreement.

PROCESSING
[ACSP] AcceptedSettlementInProcess All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution. SUCCESS
[ACTC] AcceptedTechnicalValidation Authentication and syntactical and semantic validation are successful. See Additional Note on ACTC below. PROCESSING
[ACWC] AcceptedWithChange Instruction is accepted but a change will be made, such as date or remittance not sent. PROCESSING
[ACWP] AcceptedWithoutPosting Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account. PROCESSING
[RCVD] Received Payment initiation has been received by the receiving agent. PROCESSING
[PDNG] Pending Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed. PROCESSING
[RJCT] Rejected Payment initiation or individual transaction included in the payment initiation has been rejected. FAILURE
[CANC] Cancelled

Payment initiation has been cancelled before execution.

This code is accepted as a new code by ISO 20022.

FAILURE
[ACFC] AcceptedFundsChecked

Preceding check of technical validation and customer profile was successful and an automatic funds check was positive.

This code is accepted as a new code by ISO 20022.

PROCESSING
[PATC] PartiallyAcceptedTechnicalCorrect

The payment initiation needs multiple authentications, where some, but not yet all, have been performed. Syntactical and semantic validations are successful.

This code is accepted as a new code by ISO 20022.

PROCESSING
[PART] PartiallyAccepted

A number of transactions have been accepted, whereas another number of transactions have not yet achieved 'accepted' status.

This code may be used only in case of bulk payments. It is only used in a situation where all mandated authorisations have been applied, but some payments have been rejected.

PROCESSING

Additional Note on ACTC: Some banks interpret the PSD2 specification on ACTCClosedPayment status; AcceptedTechnicalValidation – authentication and syntactical and semantical validation are successful. differently. Although it is generally mapped to a status of PROCESSING, ACTC for the following banks is mappped to SUCCESS:

  • Norisbank GmbH
  • DB Privat- und Firmenkunden Bank Aktiengesellschaft (DB PFB AG)
  • UniCredit Bank Hungary
  • Volksbank

A unique payment_idDomesticPaymentID defined in the OBIE Open Banking Specification — is provided by the bank to aid in resolving any payment issues that arise.

In terms of transfer processing, status values can be classified by phase — Queued, Intermediate, and Final — as defined in the following diagram.