Status Models & Lifecycle

A. Payment Transaction Status Model

Describes the lifecycle of a customer payment. Includes decline reasons for failed transactions.

Status Code	Display Name	Description	Associated Decline Codes (if Failed)
CREATED	Pending Initiation	Payment request created, awaiting provider handoff.	N/A
PROCESSING	Payment processing	Payment processing in progress	N/A
EXTRA_DATA_NEEDED	Verifying Details	H2H Flow: Need some additional customer details. Collect data from customer and send them with clarify request	N/A
PAY	Payment instruction	H2H Flow: Requisites for transfer redy and need to be displayed to customer	N/A
PAY_CONFIRMATION_NEEDED	Manual Confirm Needed	H2H Flow: Requisites for transfer redy and need to be displayed to customer, after completing transfer confirm request must be sent	N/A
SUCCESS	Success	Funds successfully transferred from User to Merchant.	N/A
FAILED	Declined	Transaction rejected by APM, Bank, or due to insufficient funds.	See Section 5.A (e.g., INSUFFICIENT_FUNDS)

B. Payout Transaction Status Model

Describes the lifecycle of a merchant withdrawal. Includes decline reasons for failed payouts.

Status Code	Display Name	Description	Associated Decline Codes (if Failed)
CREATED	Pending Initiation	Payout request received, queued for processing.	N/A
PROCESSING	In Progress	Funds are being transferred to the recipient bank/wallet.	N/A
SUCCESS	Completed	Funds successfully credited to recipient account.	N/A
FAILED	Declined	Payout rejected by clearing house or invalid details.	See Section 5.B (e.g., INVALID_ACCOUNT_NUMBER)

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