||The cardholder’s authentication failed.The authorization request should not be submitted.An authentication failure may be a possible indication of a fraudulent user.
||The transaction has been rejected for reasons of suspected fraud.
||The merchant denied the payment attempt. After reviewing the fraud screening result, the merchant decided to decline the payment.
||Authorized and Pending
||The payment has been challenged by the fraud rule set and is pending.
||The financial institution refused to authorize the payment.The refusal reasons can be: an exceeded credit limit, an incorrect expiry date or insufficient balance, or many others, depending on the selected payment method.
||The validity period of the payment authorization has expired.This happens when no capture request is submitted for an authorized payment typically within 7 days after authorization.Note: Depending on the customer’s issuing bank, the authorization validity period may last from 1 to 5 days for a debit card and up to 30 days for a credit card.
||The merchant has cancelled the payment attempt.Only payments with status “Authorized” that have not yet reached the status “Captured” can be cancelled. In case of a credit card payment, cancelling the transaction consists in voiding the authorization.
||The financial institution has approved the payment.In the case of a credit card payment, funds are “held” and deducted from the customer’s credit limit (or bank balance, in the case of a debit card), but are not yet transferred to the merchant. In the case of bank transfers and some other payment methods, the payment immediately reaches the “Captured” status after being set to “Authorized”.
||A capture request has been sent to the financial institution.
||The financial institution has processed the payment.The funds will be transferred to HiPay Enterprise before being settled to your bank account. Authorized payments can be captured as long as the authorization has not expired. Some payment methods, like bank transfers or direct debits, reach the “Captured” status straight away after being authorized.
||The financial institution has processed part of the payment.If only part of the order can be shipped, it is allowed to capture an amount equal to the shipped part of the order. This is called a partial capture.Please note: As dictated by all credit card companies, it is not allowed for a merchant to capture a payment before shipping has been completed. Merchants should start shipping the order once the status “Authorized” has been reached!
||A refund request has been sent to the financial institution.
||The payment was refunded.A payment reaches the “Refunded” status when the financial institution has processed the refund and the amount has been transferred to the customer’s account. The amount will be deducted from the next total amount to be paid out to the merchant.
||The payment was partially refunded.
||The payment was charged back.The cardholder has reversed a capture processed by their bank or credit card company. For instance, the cardholder has contacted their credit card company and denied having made the transaction. The credit card company has then revoked the payment already captured. Please note the legal difference between the customer (who ordered the goods) and the cardholder (who owns the credit card and ends up paying for the order).Generally, chargebacks only occur incidentally. When they do, contacting the customer can often solve the situation. Occasionally, it is an indication of credit card fraud.
||The payment method used requires an authorization request; the request was sent and the system is waiting for the approval of the financial institution.
||The authorization has been cancelled
||The refund operation was refused by the financial institution.
||The issuer’s card has been credited.
||The capture was refused by the financial institution.
||The transaction request was sent to the payment terminal.
||The payment method used requires authentication; authentication request has been sent and the system is waiting for an action from the customer.
||The transaction request was submitted to the acquirer but the response is not yet available.