The payment lifecycle defines how a transaction progresses from initiation to settlement, including possible paths such as authorization, capture, refund, or void.

Each stage is determined by the transaction type (paymentType) and the status transitions returned by the system.

Core Payment Statuses

Every transaction, regardless of type, moves through a predictable set of statuses:

Status	Description
`InProgress`	The payment is being processed—awaiting input, authorization, or issuer response.
`Approved`	The payment has been successfully authorized or captured.
`Declined`	The payment was rejected by the issuer or gateway.
`Settled`	The transaction has been batched and funds moved for settlement.
`Voided`	The transaction was canceled before settlement—no funds captured.
`Reversal`	System-initiated cancellation (timeout, duplicate, or communication failure).
`Adjustment`	A manual correction made before settlement.

Once settled, a transaction is considered final but can still appear in dispute or chargeback reports if later challenged.

Payment Types and Flows

Each transaction type follows its own lifecycle, but all share the same core statuses.

Sale Flow

A Sale represents an authorization and immediate capture of funds.

Lifecycle:

InProgress → Approved → Settled → [End]
                 ↓
              Voided / Reversal / Adjustment

Status	Description
`InProgress`	Payment initiated and awaiting issuer authorization.
`Approved`	Authorization and capture succeeded.
`Voided`	Merchant voided before settlement.
`Reversal`	System canceled due to timeout or communication issue.
`Settled`	Funds deposited post batch close.
`Adjustment`	Manual correction before settlement.

Authorization and Capture (AuthOnly & SaleCompletion)

Used when you want to authorize funds first and capture them later.

Step 1: Authorization

Initiate with authOnly: true.
Response includes a paymentToken used for later capture.
paymentType = Authorization

Status	Description
`InProgress`	Awaiting issuer response.
`Approved`	Hold placed on funds (not yet captured).
`Declined`	Issuer declined authorization.
`Voided`	Hold released if not captured within the allowed period (typically 7 days).
`Adjustment`	Manual correction before capture.

Step 2: Capture (SaleCompletion)

Make a new payment request using the same paymentToken.
Set paymentType = SaleCompletion.

Status	Description
`InProgress`	Capture requested and awaiting confirmation.
`Approved`	Capture successful — funds are now collected.
`Voided / Reversal`	Merchant or system cancellation.
`Settled`	Funds batched for deposit.

Confirmation of capture:

paymentType = SaleCompletion
authOnly = false
status = Approved

There’s no explicit “Captured” status — once captured, the transaction remains Approved until Settled in the batch.

Refund Flow

Used to return funds for a completed transaction.

InProgress → Approved → Settled → [End]
                 ↓
              Voided / Reversal

Status	Description
`InProgress`	Refund initiated, awaiting gateway or issuer response.
`Approved`	Refund accepted.
`Declined`	Issuer rejected refund.
`Voided / Reversal`	Merchant or system canceled refund before settlement.
`Settled`	Refund completed and reflected in batch.

Void & Reversal

Type	Description
Void	Merchant-initiated cancellation before settlement. No funds move.
Reversal	System-initiated cancel due to timeout, duplicate transaction, or comms failure. Equivalent to Void.

Both result in no fund movement and are considered final states.

Adjustment

Status	Description
`Created`	Manual ledger entry applied to a Sale, Authorization, or CashAdvance before settlement.
`Settled`	Adjustment processed in batch.
`[End]`	Lifecycle complete.

Cash Advance

Used for cash disbursement via card or terminal.

InProgress → Approved → Settled → [End]
                 ↓
              Voided / Reversal / Adjustment

Status	Description
`InProgress`	Awaiting terminal confirmation.
`Approved`	Cash advance confirmed.
`Voided / Reversal`	Canceled or system failed.
`Adjustment`	Manual correction before settlement.
`Settled`	Funds processed.

Prepaid & Withdrawal Transactions

Type	Description	Typical Flow
Prepaid	Instant approval — skips Authorization stage.	`InProgress → Approved → Settled`
Withdrawal	Cash withdrawal or merchant payout.	`InProgress → Approved → Settled`

Balance Inquiry

Represents a non-monetary check (e.g., account balance).

Status	Description
`[End]`	Informational only; no fund movement.

Lifecycle Diagram (Summary)

Here’s a simplified overview of how major payment types flow:

Authorization (AuthOnly)
    ├── Approved → SaleCompletion → Settled
    └── Declined / Voided

Sale
    ├── Approved → Settled
    ├── Voided / Reversal
    └── Adjustment

Refund
    ├── Approved → Settled
    └── Voided / Reversal

Void / Reversal
    └── [End]

Key Notes

Settled indicates the transaction has been successfully batched and submitted for funding.
Voided or Reversed means no funds were captured or released.
Approved status can apply to both Authorization and Capture stages.
Chargebacks are separate post-settlement events, appearing in dispute reports.

API help ticket https://prioritycommerce.atlassian.net/jira/servicedesk/projects/APIHELP/queues/issue/APIHELP-10373

All Possible Payment Statuses

Approved (Authorized) Declined Settled Voided Chargedback TicketOnly (Offline) AuthOnly (Hold) InProgress