Further reading on receiving payment status updates from an Institution after executing a payment.
After initiating a payment, its current status within its processing lifecycle can monitored.
In order to provide the most comprehensive information on the payment status, but also to overcome limitations in what different Institutions report, there are two types of status available.
status indicates whether the payment has been successfully initiated with the
Institution and should be considered as the 'primary' status.
It may be set to one of the following values:
PENDINGwhen the initiation request is still being processed
COMPLETEDwhen the initiation request has passed validation checks and been accepted by the
Institution. Settlement is expected to happen in due course (or according the the provided schedule for a Periodic or Scheduled payment)
Institutionhas rejected the initiation request and the payment will not be processed further
You may wish to monitor the
status of a payment until it has reached the
FAILED state by polling Get Payment Details
Whilst unlikely, there may be an issue in the
Institution processing of a payment after it has been accepted. In order to provide visibility of when this occurs, a payment initiation request that was
COMPLETED may subsequently become
Additionally, there are a small number of Insitutions that currently do not report that initiation has been successful and therefore these are left in a
It is therefore recommended that polling for status updates is ceased after a number of weeks.
status reports on payment initiation only and, as such,
COMPLETED does not indicate that settlement has occurred. The
isoStatus should be used (where available) to understand the status of payment processing and execution, including whether settlement has occurred to the payer or payee account.
Processing & Execution Status
isoStatus provides more detailed and extensive reporting on the payment status.
It's primary use is after a payment has been successfully initiated (i.e.
COMPLETED) when the
Institution will proceed with executing the payment. The
isoStatus can be used to track the payment through its execution process through to final settlement to the payee's account.
Yapily cannot guarantee the provision or accuracy of the
isoStatus. The reporting is limited within some Institutions and they may stop reporting at an intermediate state (e.g. ACTC) even though processing has continued.
COMPLETED, but an issue is experienced with the payment, then this indicates that a problem has occurred with the
Institution, who should be contacted for further investigation.
code and associated
name are reported using ISO20022 values, as summarised below.
|ACSC||AcceptedSettlementCompleted||Settlement on the debtor’s account has been completed.|
|ACCC||AcceptedCreditSettlementCompleted||Settlement on the creditor's account has been completed.|
|ACCP||AcceptedCustomerProfile||Preceding checks of technical validation was successful. Customer profile check was also successful.|
|ACSP||AcceptedSettlementInProcess||All preceding checks such as technical validation and customer profile were successful and therefore the payment initiation has been accepted for execution.|
|ACTC||AcceptedTechnicalValidation||Authentication and syntactical and semantical validation are successful|
|ACWC||AcceptedWithChange||Instruction is accepted but a change will be made, such as date or remittance not sent.|
|ACWP||AcceptedWithoutPosting||Payment instruction included in the credit transfer is accepted without being posted to the creditor customer’s account.|
|ACFC||AcceptedFundsChecked||Pre-ceeding check of technical validation and customer profile was successful and an automatic funds check was positive .|
|RCVD||Received||Payment initiation has been received by the Institution.|
|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, where reporting is performed against the entire file. Yapily reports status against each transaction, so this status is not expected.|
|PATC||PartiallyAcceptedTechnicalCorrect||The payment initiation needs multiple authentications, where some but not yet all have been performed. Syntactical and semantical validations are successful.|
|PDNG||Pending||Payment initiation or individual transaction included in the payment initiation is pending. Further checks and status update will be performed.|
|RJCT||Rejected||Payment initiation or individual transaction included in the payment initiation has been rejected.|
|CANC||Cancelled||Payment initiation has been cancelled before execution|