Transactions go through various statuses, each representing different stages of the payment process. Below, we’ll break down the key statuses and provide detailed explanations based on our internal processes and general payment industry practices.
Approved
An "Approved" status indicates that the transaction was successfully processed, and the payment has been completed without any issues. This means the funds were successfully authorised and captured, and the customer’s account has been credited accordingly. For approved transactions, we send an immediate callback to confirm the success.
Filtered
A "Filtered" status typically occurs when a transaction fails to meet whitelisting requirements. The most common reason for this is the "loyal source card mask check failed" notification. Finera applies strict whitelisting policies to ensure only trusted cardholders are authorised to transact. If a transaction fails due to not being whitelisted, it will be filtered out, preventing it from being processed. You can avoid this by following our whitelisting process as detailed in What Does Whitelisting a Card Mean and How to Do It?. Please note that transactions may be filtered for reasons beyond whitelisting issues. If you encounter such cases or require assistance, do not hesitate to contact our support team directly.
Pending
A "Pending" status happens when a transaction is still being processed. There might be cases where the pending status lasts for several minutes, especially where the user didn’t complete the deposit process fully. Additionally, it may connect to our smart-routing logic. For more details, refer to Understanding Pending Transactions and Timeframes.
Declined
A transaction marked as "Declined" means that the payment was rejected by the issuing bank or payment provider. Common reasons for this can include insufficient funds, incorrect card details, or restrictions placed by the bank. For more insights, check Why are my Transactions Getting Declined? Common Reasons and Solutions.
Failed
A "Failed" status typically occurs due to reasons such as issues with restricted countries, errors on the acquirer’s end, system maintenance, or temporary errors during the payment flow. These failures are often outside the control of the user or even our systems, as they may stem from external factors like the issuing bank or acquirer’s infrastructure.
Error
An "Error" status is similar to a "Failed" transaction but often indicates that the issue may be related to technical issues or specific parameters. Common reasons for errors include temporary system issues, network interruptions, or miscommunication between payment systems. If you encounter this status, we recommend contacting our support team for further investigation and resolution.
By understanding these transaction statuses, you’ll have a clearer view, and can take the necessary steps for troubleshooting or reaching out to our support team if needed.