Statuses
Users
User statuses
The following table lists the statuses available that a user can assume on your platform.
| Status | Code | Description |
|---|---|---|
| pending | 23000 | The user is pending certain information for user verification approval. |
| pending_check | 23100 | The user has complete information received, however is still being reviewed and / or has not received payments yet. |
| approved_kyc_check | 23150 | The user has passed user verification review, but has been flagged for underwriting. |
| approved | 23200 | The user is considered in good standing and can transact normally. |
User Verification
To better understand our user verification and underwriting process, take a look at the article, How does user verification work with Zai?
Items
Item statuses
The following table lists the statuses available that an item can assume on your platform.
| Status | Code | Description |
|---|---|---|
| pending | 22000 | Transaction has not started yet, no payment received or requested. |
| payment_required | 22100 | Payment has been requested by the seller to the buyer. |
| wire_pending | 22110 | The buyer has acknowledged that they are wiring the funds in, they are on their way. |
| payment_pending | 22150 | Direct debit payment has been triggered, awaiting for these funds to clear. |
| payment_held | 22175 | Payment has been held as automatic triggers have been alerted. This will go through a manual review to move on to payment_deposited, or fraud_hold. |
| payment_authorized | 22180 | A credit card payment has been authorized for capture. |
| void_pending | 22185 | Void of a previous credit card payment authorization has been triggered, awaiting the authorization to be voided. |
| voided | 22195 | A previous credit card payment authorization has been voided. |
| payment_deposited | 22200 | Payment has been successfully received in our escrow vault. |
| work_completed | 22300 | Seller has requested release, they have delivered the goods or service. |
| problem_flagged | 22400 | A dispute has been raised by either the buyer/seller, transaction is on hold until it is resolved. |
| problem_resolve_requested | 22410 | The other party (who didn’t raise the dispute) has requested that the dispute should be resolved. |
| problem_escalated | 22420 | The dispute has not been resolved and has been escalated. This will go into a process of third party litigation. |
| completed | 22500 | The Item is completed, funds have been released. Note: for card payments, Only after the card transaction settles (this could vary between 1-2 business days based on your settings) the funds will be applied to the seller/payee’s wallet account. Refer to Cards payin workflow. |
| cancelled | 22575 | The Item is cancelled and can no longer be accessed. |
| refunded | 22600 | The funds have been refunded to the funding source of the buyer. |
| refund_pending | 22610 | A refund action is initiated, but prior action is needed before the refund is applied (for example, the platform is waiting on a bank deposit or a batch processing). |
| refund_flagged | 22650 | The funds will be refunded to the funding source of the buyer, after manual review to approve the refund. |
| off_platform_refunded | 22670 | The funds have been refunded to the buyer through a means outside of the platform. |
| partial_completed | 22700 | Partial release of funds have been requested by the seller in the transaction. |
| partial_paid | 22800 | Partial release of funds have occurred in the transaction. |
| off_platform_chargedback | 22680 | The funds have been charged back by the buyer’s issuing bank through a means outside of the platform. |
Item refund statuses
The following table lists the statuses that an item can undergo during a refund process. This is displayed, when applicable, under refund_state, in addition to the item state.
| Status | Code | Description |
|---|---|---|
| pending | 22600 | A refund has been initiated by the seller. |
| requested | 22620 | A refund has been requested by the buyer. |
| processing | 22622 | The refund has been triggered and is being processed. |
| pending_return | 22630 | The refund is awaiting the direct debit from the seller’s bank account. Once the funds are direct-debited, these will be returned to the item’s funding source. |
| pending_direct_credit | 22640 | The refund is being processed for direct credit to the buyer’s bank account. The item will be marked a success after 2 business days, if the funds do not bounce. |
| failed | 22660 | The refund attempt has failed due to an invalid funding source. This could be due to an expired card or insufficient funds. |
| success | 22690 | The refund has been successfully completed. |
Refund statuses matrix
The following table shows both the item state and refund_state which an item undergoes during a refund process.
Full refund for a completed item
| Item State | Refund State | Description |
|---|---|---|
| refund_pending | pending_return | The refund is awaiting the direct debit from the seller’s bank account. Once the funds are direct debited, these will be returned to the item’s funding source. |
| pending_direct_credit | The refund is being processed for direct credit to the buyer’s bank account. The item will be marked a success after 2 business days, if the funds do not bounce. | |
| completed | failed | The refund attempt has failed due to an invalid funding source. This could be due to an expired card or insufficient funds. |
| refunded | success | The refund has been successfully completed. |
Partial refund for a completed item
| Item State | Refund State | Description |
|---|---|---|
| refund_pending | pending_return | The refund is awaiting the direct debit from the seller’s bank account. Once the funds are direct-debited, these will be returned to the item’s funding source. |
| pending_direct_credit | The refund is being processed for direct credit to the buyer’s bank account. The item will be marked a success after 2 business days, if the funds do not bounce. | |
| completed | failed | The refund attempt has failed due to an invalid funding source. This could be due to an expired card or insufficient funds. |
| success | The refund has been successfully completed. |
Full refund for a non-completed item
| Item State | Refund State | Description |
|---|---|---|
| refund_pending | pending_return | The refund is awaiting the direct debit from the seller’s bank account. Once the funds are direct debited, these will be returned to the item’s funding source. |
| pending_direct_credit | The refund is being processed for direct credit to the buyer’s bank account. The item will be marked a success after 2 business days, if the funds do not bounce | |
| payment_deposited payment_held partial_paid partial_completed work_completed | failed | The refund attempt has failed due to an invalid funding source. This could be due to an expired card or insufficient funds. |
| refunded | success | The refund has been successfully completed. |
Partial refund for a non-completed item
| Item State | Refund State | Description |
|---|---|---|
| refund_pending | pending_return | The refund is awaiting the direct debit from the seller’s bank account. Once the funds are direct debited, these will be returned to the item’s funding source. |
| pending_direct_credit | The refund is being processed for direct credit to the buyer’s bank account. The item will be marked a success after 2 business days, if the funds do not bounce. | |
| payment_deposited payment_held partial_paid partial_completed work_completed | failed | The refund attempt has failed due to an invalid funding source. This could be due to an expired card or insufficient funds. |
| success | The refund has been successfully completed. |
Batches
Batch transaction states
| Status | Code | Description |
|---|---|---|
| successful | 12000 | The Batch Transaction has been processed successful, this means a direct debit has been received or a disbursement has been sent. |
| pending_successful | 12010 | The Batch Transaction has not bounced after 2 business days, but needs to be reviewed by our Payments Team before it is tagged successful. |
| pending | 12100 | The Batch Transaction is in a pending state. This refers to the early stages where the transaction has started and is followed by being batched |
| bpay_pending (Australia) | 12110 | The Batch Transaction for this bpay payin has been received from our bank as a notification however the bpay payin is pending until the funds have been settled into Zai's account |
| batched | 12200 | The Batch Transaction has been created and is being processed by the batch process. This process runs 4 times a day. |
| invalid_account_details | 12360 | The Batch Transaction has failed due to incorrect bank account details. |
| failed_direct_debit (Australia) | 12370 | The Batch Transaction has been dishonoured due to insufficient funds or other restrictions. Please refer user to contact their financial institution. |
| bank_processing | 12700 | The Batch Transaction has been imported to the bank and is being processed. |
| errored | 12900 | The Batch Transaction contained an error and will no longer be processed. |
Batch transaction matrix
Both item states and batch transactions statuses show where the item is in a payment workflow. Together, these two fields can tell you the flow of funds after an item has been paid for.
For direct debit payments (payins) (Australia)
| Item State | Batch Transaction Status | Description |
|---|---|---|
| payment_pending | pending | The direct debit payment has been triggered, but the payment hasn’t yet been included in a batch for processing. |
| batched | The payment has been included in a transaction batch, which is waiting to be processed. | |
| bank_processing | The payment, along with other payments in the same batch, is already being processed by the bank. | |
| payment_deposited | successful | The payment was successfully processed by the bank and the funds are now in the Zai escrow vault. |
| pending | invalid_account_details | The payment wasn’t successful due to incorrect bank account details. |
| failed_direct_debit | The payment wasn’t honoured due to insufficient funds or other restrictions. |
For direct credit payments (payouts)
| Item State | Batch Transaction Status | Description |
|---|---|---|
| completed | pending | The direct credit payment has been triggered, but the payment hasn’t yet been included in a batch for processing. |
| batched | The payment has been included in a transaction batch, which is waiting to be processed. | |
| bank_processing | The payment, along with other payments in the same batch, is already being processed by the bank. | |
| successful | The payment was successfully processed by the bank and the funds have now been credited to the seller’s bank account. | |
| pending | invalid_account_details | The payment wasn’t successful due to incorrect bank details. |
Disbursements
| Disbursement State | NPP Payout State | Description |
|---|---|---|
| pending | null / failed | Direct credit payment has been triggered, but the payment hasn’t yet been included in a batch for processing. |
| bank_processing | trying | Real time payout processing. |
| successful | null / failed | Payout was successfully processed by direct credit batch. |
| successful | Payout was successfully processed in real time. | |
| invalid_account_details | failed | Invalid bank account details provided. Funds remain in digital wallet. |
| cancelled | failed | Real time payout failed. Funds returned to digital wallet. |
Virtual account statuses (Australia)
The below table lists the different statuses a virtual account can transition into.
| Virtual Account Status | Description |
|---|---|
| pending_activation | As virtual account creation is an asynchronous process, this is the initial state in which a virtual account is created. This indicates it is not yet ready for payin reconciliations. |
| active | Active state indicates the virtual account is ready for payin reconciliations. |
| activation_failed | If activation fails due to some errors, the virtual account moves from pending_activation to activation_failed status and therefore cannot be used for payin reconciliations. |
PayID Statuses (Australia)
The table below lists the different statuses a PayID can transition into.
| PayID Status | Description |
|---|---|
| pending_activation | Since PayID registration is an asynchronous process, this is the initial status of the PayID. This indicates the PayID is not activated yet and therefore cannot be used for payin reconciliations yet. |
| active | Active status indicates the PayID is active and associated with a virtual account. It can be used for payin reconciliations. |
| activation_failed | If the PayID activation fails due to some errors, the PayID moves from pending_activation to activation_failed status and therefore cannot be used for payin reconciliations. Please try to register the PayID again. |
PayTo Agreement Statuses (Australia)
The table below lists the different statuses a PayTo agreement can transition into.
| PayTo Agreement Status | Description |
|---|---|
| pending_validation | Since agreement validation is an asynchronous process, this is the initial status of the agreement. This indicates the agreement validation request has been accepted and will be processed soon. |
| validated | This indicates the agreement has been successfully validated by us and therefore can be created soon. |
| validation_failed | This indicates the validation of the agreement has failed due to some reason. The failure reason will be provided in WAPI notification and can also be fetched using the GET Agreement API. |
| pending_creation | Since agreement creation is an asynchronous process, this is the initial status of the agreement creation step. This indicates the agreement creation request has been accepted and will be processed soon. |
| created | This indicates the agreement has been successfully created with NPPA and is pending payer's approval due to which it cannot be used for payment initiations yet. |
| active | For the AUPM agreement type, it indicates the payer has approved it. For the MCGR agreement type, it indicates the agreement has been migrated successfully. Overall, this status indicates the agreement is active and therefore payments can now be initiated as per the agreement terms and conditions. |
| creation_failed | This indicates the agreement creation has failed with NPPA due to some reason. The failure reason will be provided in WAPI notification and can also be fetched using the GET Agreement API. |
| suspended | This indicates the agreement has been paused temporarily (either by the payer or by the initiator). Because the agreement is paused, payments cannot be initiated temporarily for the agreement. |
| cancelled | This indicates the agreement has been cancelled and is no longer available for payment initiations. Cancelled is a final status and cannot be changed. If the initiator wants to initiate payments, they'd need to set up a new agreement with the payer. Agreements can be cancelled due to the following reasons: - Payer has cancelled and longer needs the goods or services provided by you. - Initiator has cancelled because you no longer provide goods or services to your user. - We cancelled the agreement because it is no longer valid and therefore not available for payment initiations (past the agreement validity end date). - We cancelled the agreement after the last payment initiation completion. |
PayTo Payment Initiation Request Statuses (Australia)
The table below lists the different statuses a PayTo payment initiation request can transition into.
| Payment Initiation Request Status | Description |
|---|---|
| pending_payment_initiation | Since payment initiation for a PayTo agreement is an asynchronous process, this is the initial status of the request. This indicates the payment initiation request has been accepted and will be processed soon. |
| payment_initiated | This indicates the payment has been requested from the payer's bank. |
| payment_initiation_completed | This indicates the payer's bank has cleared and settled a push payment towards Zai. Funds should soon be reconciled on your user's digital wallet in Zai. |
| payment_initiation_rejected | This indicates the payment initiation request has been rejected to due to some reason. The failure reason will be provided in WAPI notification and can also be fetched using the GET Payment Initiation Request API. |
Updated almost 2 years ago