Payment Transfer States

The below table shows the different states a transfer may have and their definition.

💡 Note
Consider the payment session status as the main status to track a payment. In certain cases such as Smart Transfer, additional information can be retrieved using the transfer state.

Status	Description	Phase
`completed`	The payment settlement is completed	Final *
`sent`	The payment is being processed and the bank does not return settlement information	Final *
`processing`	The payment is being processed	Intermediate
`pending`	The payment is pending for execution (in the case of deferred payments)	Intermediate
`authorized`	The payer has authorized the payment	Intermediate
`accepted`	The payment was accepted by the bank	Intermediate
`received`	The payment has been received in the payment account	Final
`overpaid`	The payment is above the expected	Intermediate
`rejected`	The payment has been rejected (see reasons in APPENDIX)	Final **
`insufficient`	The payment is below the expected	Intermediate
`initiated`	The payout has been technically accepted and initiation has started	Intermediate
`blocked`	The payment is blocked due to AML reasons and is currently being reviewed by the compliance team	Intermediate
`cancelled`	The payment has been cancelled by the merchant	Final
`multi-signature`	The payment is pending a multi-signature to proceed.	Intermediate
`overpaid`	The payment has been overpaid.	Final

* If a Fintecture Payment Account exists, the status received will then overpass the completed and sent which both become Intermediate states.

** Only if payment unsuccessful retries is disabled