Accept paymentsPay In concepts

Understand payment statuses and funding statuses

Understand why a Pay In transaction's payment status and funding status can disagree, and how to read a mismatch
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Applies to:DevelopersPartnersPaypoints

A Pay In transaction carries two separate statuses that answer two different questions:

  • Payment status (TransStatus) answers “did the transaction succeed?”
  • Funding status (SettlementStatus) answers “where’s the money?”

Since each status resolves on its own timeline, they often show different things at the same moment. That’s expected, and it’s worth knowing how to read it before it looks like an error.

Two different questions, two different statuses

Payment status resolves fast. In a standard sale, a card charge or ACH debit moves from Initiated through Authorized to Approved/Captured within seconds, so catching a transaction at Initiated is rare. Some integrations authorize and capture separately instead, and in that flow a transaction can stay Authorized for up to 10 days before it’s captured or voided. Either way, after a transaction is captured, its payment status becomes Approved/Captured and won’t change again except for a rare rejection by the bank or card network after the fact. Funding status keeps moving from there. It follows the transaction into a batch, tracks that batch through settlement, and only reaches Funded once the money lands in the merchant’s bank account. That typically takes several days.

That gap between the two timelines is the source of most confusion. A transaction can sit at a finished payment status for days while its funding status keeps changing underneath it.

Payment funding status is a transaction-level view of the process. After a transaction is captured, it belongs to a batch, and the batch itself is tracked with its own BatchStatus and TransferStatus values, which generally move in step with the transaction’s funding status. See Batches overview to check or troubleshoot at the batch level — useful when several transactions are affected at once, like a batch placed on hold.

Reading a status combination

Most combinations of payment status and funding status are normal — they just reflect where a transaction is in its timeline. A smaller set signals an actual problem.

Visualizing the flow

This diagram lays out that same progression visually: payment status resolving quickly at the top, funding status continuing on its own timeline underneath.

Select a step to see what it means.

Payment statusFunding statusseconds, or up to 10 daysPayment status stays Approved/CapturedFunding status starts at Pending after capture
Approved/ Captured

Payment succeeded and generally won't change again — a bank or card network rejection afterward is rare. Funding status keeps moving from here.

Payment and funding status flow

Payment status moves from Payment Initiated to Authorized to Approved/Captured. Capture happens within seconds, or after up to 10 days if the integration authorizes and captures separately. Payment status stays at Approved/Captured after that.

Funding status starts at Pending once the transaction is captured, moves to In Transit once the batch closes, then to Transferred once the transfer instruction is submitted, and finally to Funded once the funds have been sent.

This diagram shows only the successful path: a transaction that authorizes, captures, and funds without interruption. A transaction that’s declined, voided, failed, or blocked before capture never enters the funding side at all. A captured transaction can still end up with a Chargeback, ACH Return, or Exception funding status, or be refunded, instead of continuing on to Funded. The following table covers those outcomes.

Status combination reference

This table lists the common combinations and what they mean, and where a mismatch needs your attention:

Payment statusFunding statusWhat it means
AuthorizedPendingNormal. The transaction hasn’t been captured yet, so funding hasn’t started.
Approved/CapturedPendingNormal. The transaction’s batch hasn’t closed yet.
Approved/CapturedIn Transit or TransferredNormal. The batch closed and funds are on their way to the merchant’s bank account.
Approved/CapturedFundedNormal. Funding is complete — the funds are in the merchant’s bank account.
Declined, Voided, Failed, or BlockedN/ANormal. There’s no successful payment to fund, so funding never starts. For a Declined or Failed transaction, see Charge again to retry, or Response codes for the specific reason. Payabli’s risk rules stopped a Blocked transaction, and there’s no self-service option — contact support.
Approved/CapturedException, ACH Return, or ChargebackNeeds attention. The payment succeeded, but the transfer hit a problem. For Exception, see Transfer statuses. For an ACH Return — a return on the customer’s payment method, not the batch-level merchant deposit of the same name — see Manage ACH returns. For a Chargeback, see Respond to a card dispute.
Approved/CapturedHeldNeeds attention. Payabli’s risk systems paused funding for review — there’s no self-service release. See Batch statuses, or contact support if it’s held longer than expected.
Approved/CapturedReleasedInformational. Payabli’s risk systems completed their review and resumed funding.

For the full list of values behind each status, see Pay In statuses. Funding status also determines whether you can void or refund a transaction — see the Decision guide: Void vs refund.

An Exception, ACH Return, Chargeback, or Held funding status doesn’t change the payment status. The transaction stays Approved/Captured because the payment itself succeeded — the problem is downstream, in moving the money.

For a step-by-step walkthrough of how a transaction moves through these statuses, including diagrams of each stage, see Pay in transaction lifecycle.

Where to check each status

In the Payabli Portal, the transactions report shows both as separate columns: Payment Status and Payment Funding Status. Filter or sort on either independently. See the Transactions report for how to filter.

Through the Query API, both fields are returned on the same transaction record: TransStatus for payment status and SettlementStatus for funding status.

See these related resources to help you get the most out of Payabli.