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Payments Life Cycle

This document outlines the payment flows and their transitional states for various payment types, including Sale, Pre-Auth and Failed Payments.

It describes the sequence of statuses a payment progresses through, such as PENDING, AUTHORIZED, COMPLETED, ACCEPTED and FAILED, and highlights the corresponding webhook events (PAYMENT_SUCCEEDED, PAYMENT_FAILED, PAYMENT_AUTHORIZED, PAYMENT_CANCELED and PAYMENT_ACCEPTED) triggered at each stage.

The flowcharts provide a clear visual representation of the decision points and transitions for each payment type.

Flow chart for PreAuth Payments​

Quick Note: Capture must occur before authorization expires (typically within 7 days).
If not captured within 7 days, the payment will automatically be canceled.

Flow chart for SALE Payments​

Flow chart for FAILED Payments​

Flow chart for ACH PAYMENTS​

Quick Note: For ACH payments, PAYMENT_ACCEPTED signifies that the payment has been initiated and accepted but is pending settlement, which can take several days.