Transaction Events & States
- Technical Writer
1. Transaction Events
The following is a list of the possible values a third party will receive, in the event field of a notification message.
The event field describes an event, a system action that has been triggered, either automatically or by an operator.
Transactions in a final state cannot be actioned or the state changed. It is recommended that money/credits be released to end users when the “transaction_accepted” final notification is received.
It is suggested that you update your CRM with a “money received - on hold”, when you receive the “payment_success” or “payment_piv_success”.
Remove the ‘on hold’ and release the money/credits when the “transaction_accepted” is received.
1.1. Final Events
Event | Description |
|---|---|
transaction_accepted | The transaction has been accepted and is being validated. |
transaction_declined | The transaction has been declined. |
transaction_expired | The transaction request has expired. |
transaction_cancelled | The transaction has been cancelled. |
1.2. Additional Events
Event | Description |
|---|---|
payment_success | Payment was successful (Note: this is not a final state). |
payment_piv_success | Payment Instrument Verification payment was successful. |
kyc_manual_review | The request is now in manual review for KYC and needs to be evaluated by an operator. |
kyc_manual_requested_document | Additional KYC documentation requested by operator. |
capture_gateway_failed | Capture of the transaction failed. |
capture_failures_exceeded | The user exceeded the amount of tries that they were allowed. |
risk_auto_rejected | The transaction has been automatically rejected due to risk rules. |
risk_manual_rejected | The transaction has been manually rejected due to risk rules. |
manual_risk_review | The request has been flagged by the risk engine and needs to be evaluated by an operator. |
payment_manually_accepted | The payment has been accepted following operator intervention. |
refund_issued | The transaction has been refunded. |
refund_pending | A refund has been issued but it is still pending. |
refund_failed | A refund has been issued but failed to complete. |
chargeback_flagged | The request has been flagged as a charge-back by an operator. |
dispute_flagged | The transaction is being disputed. |
fraud_flagged | The transaction is flagged as fraud. |
eoi_profile_updated | EOI profile updated by a Dashboard Operator. |
unexpected_error | An unexpected error occurred and the transaction has been halted. |
2. Transaction States
In the following sections, there is a list of the possible values a third party will receive in the state and response code fields.
The state field by itself is the overall reported state of the transaction and should be the only field that third parties take any action on.
The compound state is a combination of the state and a reason, this field is informational only and is subject to change without notice.
The filtered state (if specified) will be used when required by the end user’s browser.
2.1. Preflight
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
PREFLIGHT | PREFLIGHT | PREFLIGHT | IS0001 | Transaction starting | - |
2.2. Pending
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
IN_PROGRESS | PENDING | STARTING_TRANSACTION | IS0101 | Transaction in progress | - |
VALIDATING_TRANSACTION | PENDING | VALIDATING_TRANSACTION | IS0102 | Validating transaction | - |
VALIDATED_TRANSACTION | PENDING | VALIDATED_TRANSACTION | IS0103 | Validated transaction | - |
PROCESSING_TRANSACTION | PENDING | PROCESSING_TRANSACTION | IS0104 | Processing transaction | - |
PIV_SUCCESS | PENDING | PIV_SUCCESS | IS0105 | The PIV process has been successfully completed, registration is continuing | - |
PIV_REVIEW | PENDING | PIV_REVIEW | IS0106 | The PIV process has been failed and requires manual reviewing | - |
AWAIT_SECRET | PENDING | AWAIT_SECRET | IS0109 | Awaiting transaction secrets | - |
RETRY_PIV | PENDING | RETRYING_TRANSACTION | IS0110 | PIV process restarted by operator | - |
COLLECT_OTP_DETAILS | PENDING | COLLECT_OTP_DETAILS | IS0111 | Collecting OTP details from user | - |
GENERATE_OTP | PENDING | GENERATE_OTP | IS0112 | Generating OTP | - |
GENERATE_PIN_OTP | PENDING | GENERATE_PIN_OTP | IS0113 | Generating OTP-PIN | - |
AWAIT_OTP | PENDING | AWAIT_OTP | IS0114 | Awaiting OTP | - |
AWAIT_PIN | PENDING | AWAIT_PIN | IS0115 | Awaiting PIN | - |
AWAIT_PIN_OTP | PENDING | AWAIT_PIN_OTP | IS01116 | Awaiting OTP-PIN | - |
PIN_ACCEPTED | PENDING | PIN_ACCEPTED | IS0117 | PIN entered and accepted | - |
AWAIT_KYC_INFORMATION | PENDING | AWAIT_KYC_INFORMATION | IS0119 | Awaiting KYC information | - |
AWAIT_KYC_DOCUMENTATION | PENDING | AWAIT_KYC_DOCUMENTATION | IS0120 | Awaiting KYC documentation | - |
PROCESSING_DOCUMENT | PENDING | PROCESSING_DOCUMENT | IS0121 | Processing KYC documentation | - |
AWAIT_SCA_AUTHENTICATION | PENDING | AWAIT_SCA_AUTHENTICATION | IS0123 | Prompting user for SCA authentication | - |
CONTACTING_USER | PENDING | CONTACTING_USER | IS0124 | Contacting end user via email or SMS | - |
PROCESSING_TRANSACTION_AUTH_A | PENDING | PROCESSING_TRANSACTION_AUTH_A | IS0125 | Processing first authorization transaction secret | - |
PROCESSING_TRANSACTION_UTH_B | PENDING | PROCESSING_TRANSACTION_AUTH_B | IS0126 | Processing second authorization transaction secret | - |
PROCESSING_TRANSACTION_CAPTURE_A | PENDING | PROCESSING_TRANSACTION_CAPTURE_A | IS0127 | Processing first capture transaction secret | - |
PROCESSING_TRANSACTION_CAPTURE_B | PENDING | PROCESSING_TRANSACTION_CAPTURE_B | IS0128 | Processing second capture transaction secret | - |
AWAIT_PAYMENT | PENDING | AWAIT_PAYMENT | IS0129 | Awaiting payment details | - |
REQUESTED_DOCUMENTS | PENDING | MANUAL_REQUESTED_DOCUMENT | IS0550 | After reviewing the submitted documents, the client has been | - |
RISK_REVIEW | PENDING | RISK_REVIEW | IS0644 | Transaction was flagged as high risk and is being reviewed | PENDING. MANUAL_REVIEW |
SCREEN_REVIEW | PENDING | SCREEN_MANUAL_REVIEW | IS0664 | Transaction was flagged for possible PEP/Sanction and is being reviewed | PENDING. MANUAL_REVIEW |
AML_REVIEW | PENDING | AML_REVIEW | IS0674 | Transaction was flagged for possible money laundering and is being reviewed | PENDING. AML_MANUAL_REVIEW |
MANUAL_REVIEW | PENDING | MANUAL_REVIEW | IS0901 | KYC registration manual review | PENDING. MANUAL_REVIEW |
EOI_REVIEW | PENDING | EOI_REVIEW | IS0902 | Updated EOI details review required | PENDING. MANUAL_REVIEW |
AWAIT_PASSPORT_DETAILS | PENDING | PENDING.AWAIT_PASSPORT_DETAILS | IS1110 | Awaiting passport details | - |
AWAIT_DRIVERS_LICENCE_DETAILS | PENDING | PENDING.AWAIT_DRIVERS_LICENCE_DETAILS | IS1115 | Awaiting drivers licence details | - |
AWAIT_NATIONAL_ID_DETAILS | PENDING | PENDING.AWAIT_NATIONAL_ID_DETAILS | IS1116 | Awaiting national ID details | - |
AWAIT_GENDER_DETAILS | PENDING | PENDING.AWAIT_GENDER_DETAILS | IS1117 | Awaiting gender details | - |
NO_ACTION_TAKEN | PENDING | CAPTURE | 21 | No action taken | - |
2.3. Rejected
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
FAILED_EXTERNAL_VERIFICATION | REJECTED | FAILED_EXTERNAL_VERIFICATION | IS0191 | Failed External EOI Data Sources verification | - |
SECOND_SECRET_REJECTED | REJECTED | SECOND_SECRET_REJECTED | IS0403 | Charge failed on second secret amount | - |
UNSUPPORTED_OPERATION_REJECTED | REJECTED | OPERATION_NOT_SUPPORTED | IS0603 | Transaction has been declined because operation is not supported | - |
REJECTED_MAX_ATTEMPTS | REJECTED | MAX_ATTEMPTS | IS0604 | Transaction has been declined | - |
UNSUPPORTED_SETTINGS_CONFIGURATION | REJECTED | SETTINGS_CONFIGURATION | IS0605 | Transaction has been declined because settings configuration does not support this operation | - |
REJECTED_INVALID_CARD_TOKEN | REJECTED | INVALID_CARD_TOKEN | IS0606 | Transaction has been declined because card token provided cannot be resolved | - |
REJECTED_INVALID_RECURRING_DETAILS | REJECTED | INVALID_RECURRING_DETAILS | IS0607 | Transaction has been declined because recurring details cannot be resolved | - |
UNSUPPORTED_CVV_LESS_CARD_TOKEN_ONLY | REJECTED | CVV_LESS_CARD_TOKEN_ONLY | IS0608 | Transaction has been declined because CVV-Less operations are not supported | - |
RISK_REJECTED | REJECTED | RISK_MANUAL_REJECTED | IS0622 | Transaction has been declined after being flagged as high risk | REJECTED. MANUAL_REJECTED |
RISK_AUTO_REJECTED | REJECTED | RISK_AUTO_REJECTED | IS0623 | Transaction has been automatically declined after being flagged as high risk | REJECTED. AUTO_REJECTED |
SCREEN_REJECTED | REJECTED | SCREEN_MANUAL_REJECTED | IS0661 | Transaction has been declined after being flagged for possible PEP/Sanction | REJECTED. MANUAL_REJECTED |
SCREEN_AUTO_REJECTED | REJECTED | SCREEN_AUTO_REJECTED | IS0665 | Transaction has been automatically declined after being flagged for possible PEP/Sanction | REJECTED. AUTO_REJECTED |
AML_REJECTED | REJECTED | SCREEN_AUTO_REJECTED | IS0671 | Transaction has been declined after being flagged for possible money laundering | REJECTED. AML_MANUAL_REJECTED |
AML_AUTO_REJECTED | REJECTED | AML_AUTO_REJECTED | IS0675 | Transaction has been automatically declined after being flagged for possible money laundering | REJECTED. AML_AUTO_REJECTED |
MANUAL_REJECTED | REJECTED | MANUAL_REJECTED | IS1101 | KYC registration manually rejected | - |
KYC_AUTO_REJECTED | REJECTED | REJECTED. KYC_AUTO_REJECTED | IS1102 | KYC registration automatically rejected | - |
UPSTREAM_REJECTED | REJECTED | REJECTED. UPSTREAM_REJECTED | IS1103 | Payment provider: Rejected | - |
UPSTREAM_FAILURE | REJECTED | DECLINED. UPSTREAM_FAILURE | IS1200 | Payment provider: Unexpected error | - |
INVALID_REFER | REJECTED | INVALID_REFER | 01 | Refer to card issuer | - |
INVALID_MERCHANT | REJECTED | INVALID_MERCHANT | 03 | Invalid merchant | - |
INVALID | REJECTED | INVALID | 06 | Error | - |
INVALID_CARD_NUMBER | REJECTED | INVALID_CARD_NUMBER | 14 | Invalid card number | - |
INVALID_RESPONSE | REJECTED | INVALID_RESPONSE | 20 | Invalid response | - |
LOST_CARD | REJECTED | LOST_CARD | 41 | Lost card, pick up (fraud account) | REJECTED. UPSTREAM_REJECTED |
STOLEN_CARD | REJECTED | STOLEN_CARD | 43 | Stolen card, pick up (fraud account) | REJECTED. UPSTREAM_REJECTED |
INSUFFICIENT_FUNDS | REJECTED | INSUFFICIENT_FUNDS | 51 | Insufficient funds | - |
CARD_EXPIRED | REJECTED | CARD_EXPIRED | 54 | Expired card or expiration date is missing | - |
SUSPECTED_FRAUD | REJECTED | SUSPECTED_FRAUD | 59 | Suspected fraud | REJECTED. UPSTREAM_REJECTED |
EXCEEDS_APPROVAL_LIMIT | REJECTED | EXCEEDS_APPROVAL_LIMIT | 61 | Exceeds approval amount limit | - |
RESTRICTED_CARD | REJECTED | RESTRICTED_CARD | 62 | Restricted card (card invalid in this region or country) | - |
EXCEEDS_FREQUENCY_LIMIT | REJECTED | FREQUENCY_LIMIT | 65 | Exceeds withdrawal frequency limit | - |
NEGATIVE_CVV | REJECTED | NEGATIVE_CVV | 82 | Negative CAM, dCVV, iCVV, or CVV results | - |
PAN_SCREENING_LOST_CARD | REJECTED | PAN_SCREENING_LOST_CARD | PS41 | Lost card, pick up (fraud account) | REJECTED. AUTO_REJECTED |
PAN_SCREENING_STOLEN_CARD | REJECTED | PAN_SCREENING_STOLEN_CARD | PS43 | Stolen card, pick up (fraud account) | REJECTED. AUTO_REJECTED |
PAN_SCREENING_FRAUD_CARD | REJECTED | PAN_SCREENING_FRAUD_CARD | PS34 | Pick up card (fraud account) | REJECTED. AUTO_REJECTED |
PAN_SCREENING_PICKUP_CARD | REJECTED | PAN_SCREENING_PICKUP_CARD | PS4 | Pick up card | REJECTED. AUTO_REJECTED |
PAN_SCREENING_UNAUTHORIZED_CARD | REJECTED | PAN_SCREENING_UNAUTHORIZED_CARD | PS36 | Restricted card (unauthorized use) | REJECTED. AUTO_REJECTED |
PAN_SCREENING_COUNTERFEIT_CARD | REJECTED | PAN_SCREENING_COUNTERFEIT_CARD | PS81 | Counterfeit card | - |
2.4. Declined
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
CARD_BLOCK | DECLINED | CARD_ISSUER_COUNTRY | IS0308 | Card issuer country has been blocked by inclusions filters | - |
BANK_EXCLUDED | DECLINED | CARD_ISSUER | IS0309 | Residential country has been blocked by inclusions filters | - |
LOCATION_EXCLUDED | DECLINED | LOCATION_EXCLUDED | IS0312 | Location is not enabled in Geo Inclusions list | - |
OTP_TOKEN_DENIED | DECLINED | OTP_TOKEN_DENIED | IS0313 | Invalid token | - |
TOR_DETECTED | DECLINED | TOR_DETECTED | IS0317 | Tor detected | - |
KYC_THRESHOLD_EXCEEDED | DECLINED | KYC_THRESHOLD_EXCEEDED | IS0318 | KYC Threshold exceeded | - |
CARD_TYPE_NOT_ALLOWED_FOR_KYC | DECLINED | DECLINED.CARD_TYPE_NOT_ALLOWED_FOR_KYC | IS0319 | The card provided cannot be used for KYC | - |
SECRET_TOKEN_DENIED | DECLINED | SECRET_TOKEN_DENIED | IS0404 | Invalid secret | - |
FAILED_3DS_AUTHENTICATION | DECLINED | FAILED_3DS_AUTHENTICATION | IS0405 | Failed 3D Secure Authentication | - |
3DS_NOT_ENROLLED | DECLINED | 3DS_NOT_ENROLLED | IS0406 | Card holder not enrolled into 3D Secure | - |
2.5. Expired
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
TRANSACTION_EXPIRED | EXPIRED | EXPIRED | IS0501 | Transaction has expired | - |
2.6. Success
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
RISK_ACCEPTED | SUCCESS | RISK_MANUAL_ACCEPTED | IS0621 | Transaction has been accepted after being flagged as high risk | SUCCESS.MANUAL_ACCEPTED |
SCREEN_ACCEPTED | SUCCESS | SCREEN_MANUAL_ACCEPTED | IS0660 | Transaction has been accepted after being flagged for possible PEP/Sanction | SUCCESS.MANUAL_ACCEPTED |
MANUAL_ACCEPT | SUCCESS | MANUAL_ACCEPTED | IS0701 | KYC registration manually accepted | - |
AML_ACCEPTED | SUCCESS | MANUAL_ACCEPTED | IS0676 | AML review has been accepted | SUCCESS.AML_MANUAL_ACCEPTED |
AML_AUTO_ACCEPTED | SUCCESS | AUTO_ACCEPTED | IS0677 | AML review has been automatically accepted | SUCCESS.AML_AUTO_ACCEPTED |
SUCCESS | SUCCESS | COMPLETE | 00 | Approved and completed successfully | SUCCESS.COMPLETE |
2.7. Cancelled
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
CANCELLED | CANCELLED | CANCELLED | IS0601 | Transaction cancelled by user | - |
OPERATOR_CANCELLED | CANCELLED | OPERATOR_CANCELLED | IS0602 | Transaction cancelled by operator | - |
CANCELLED_BY_USER | CANCELLED | OPERATOR_CANCELLED | IS0502 | Transaction cancelled by user | - |
2.8. Failed
ID | State | Reason | Response Code | Description | UI Filtered State |
|---|---|---|---|---|---|
NOT_SUPPORTED | FAILED | NOT_SUPPORTED | 11 | Transaction request not supported | - |
INVALID_TRANSACTION | FAILED | INVALID_TRANSACTION | 12 | Invalid transaction | - |
SYSTEM_MALFUNCTION | FAILED | UNEXPECTED_ERROR | 96 | System malfunction | - |
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