Payment Status

Payments have different status depending on the actual state of processing:

Open
Authorised
PartiallyAuthorised
SettlementIinProcess
SettlementCompleted
ReceivedByCreditorBank
ReceivedOnCreditorAccount
Cancelled
CancelledAtTPP
Error
Expired
Pending (The Apsps put the payment in a pending state, this can happen for multiple reasons. This is not a final state, another get payments/status should be made to get an update on the status)

Not all ASPSPs are differentiating between all the status values listed above. The Status PartiallyAuthorised can be given for a payment in multi-authorizations if the first PSU has authorised and there are still authorizations of additional PSUs are outstanding. The Multi-Authorization is an extended service of Accout-to-Account payments.

For some ASPSPs the status of a payment isn’t updated furthermore when the Authorised status is achieved. For most ASPSPs the final status is SettlementCompleted. Information on the final status for payments for given ASPSPs can be retrieved form the Reach API.

Open Banking Services

In the following picture the status values are shown in a state diagram:

Bank Selection Interface

While using the Bank selection interface the following payment status flow is applicable:

GET Payment Status

These endpoints are used to retrieve the status of a payment.

Endpoint: GET /payments/{paymentId}/status

Endpoint: GET /periodic-payments/{paymentId}/status

Endpoint: GET /scheduled-payments/{paymentId}/status

Endpoint: GET /bulk-payments/{paymentId}/status

Data model

Request	Response (click to enlarge)

Example

Request

Address: https://localhost:8443/xs2a/routingservice/services/ob/v3/payments/11376380/status

    HttpMethod: GET

    Headers: {Accept=application/json, Digest=47DEQpj8HBSa+/TImW+5JCeuQeRkm5NMpJWZG3hSuFU=, 
X-Request-ID=de875f27-5eb7-2b3d-bb88-86e0fe0cdf65, Authorization=Bearer ec464ba833a955952646cbc834f4e6b, MessageCreateDateTime=2022-03-24T14:48:16.143Z}

Response

ResponseCode: 200

    Headers: { X-Request-ID=283c264a-3212-4240-a039-01b229fa854f, MessageCreateDateTime=2022-03-24T14:48:16.541Z}
    Payload: {"CommonPaymentData":
    "PaymentStatus": "SettlementCompleted",
    "PaymentId": "11376380",
    "AspspPaymentId": "00015952769469210",
    "AspspId": "10002"
}}