Transaction statuses explained
This guide explains the various statuses of transactions received from the bank and their meanings. Each status indicates a specific stage or outcome of the transaction process.
1. Accepted by Bank
This status indicates that the bank has accepted the transaction for processing. The final transaction status will reflect after the processing day.
2. Cancelled
The transaction was intentionally stopped before it could be processed.
3. Disputed
A disputed transaction occurs when the account holder contests a debit order that has been processed against their bank account.
This typically happens when:
The account holder did not authorise the debit order.
The amount collected differs from what was agreed upon.
The collection date or frequency was not as authorised.
The debit order was processed after the mandate was cancelled.
Banks use the DebiCheck mandate as proof of authorisation. Therefore, if the debit matches the mandate, it cannot be disputed. Only unauthorised or non-compliant debits can be reversed or flagged as disputed.
4. In tracking
The debit instruction is currently within the tracking window, where the system monitors whether funds become available for collection from the customer’s account — particularly if the initial attempt on the specified process day was unsuccessful.
The DebiCheck system allows tracking for up to 10 days, during which the payer’s account may be checked daily at randomised times to confirm the availability of funds.
The transaction remains in this status until one of the following final outcomes is received:
Paid — funds successfully collected.
Unpaid — funds not collected within the allowed tracking period specified in the mandate.
TymeBank and Nedbank only support partial tracking. This means that funds may not be retried or monitored for the full tracking period specified on the record's mandate, and results may be returned sooner than with other banks.
5. Paid
The "Paid" status means the transaction has been successfully completed and the funds have been transferred to the recipient’s account.
6. Pending
Transactions with this status are awaiting processing. Possible causes include:
Delays in clearing.
Bank verification processes.
7. Rejected by API
This status means the transaction was not accepted by the API due to one or more errors. Common reasons include:
Invalid input data (e.g., incorrect account details).
Failure to meet API validation rules.
8. Rejected by Bank
A “Rejected by Bank” status indicates that the debit instruction sent through was declined by the bank due to an issue with the account or transaction details or DebiCheck mandate validation.
9. Reversed
This status indicates that a completed transaction was reversed and the funds have been returned to the payer’s account.
10. Sent to Bank
The "Sent to Bank" status means the transaction has been submitted to the bank for processing. However, the outcome (e.g., Accepted by Bank, Rejected by Bank) is still pending.
11. Unpaid
This status indicates that no funds were transferred successfully. A common reason may be due to insufficient funds.
If you have any questions or need further clarification regarding these statuses, please contact support.
Support Email: [email protected]
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