> This is Payabli documentation. For a complete page index, fetch https://docs.payabli.com/llms.txt — append .md to any page URL for lightweight markdown. For section-level indexes, query parameters, and other AI-optimized access methods, see https://docs.payabli.com/ai-agents.md # Understand payment statuses and funding statuses > Understand why a transaction's payment status and funding status can disagree, and how to read a mismatch 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 tracks Payment status resolves fast. In a standard sale, a card charge or ACH debit is authorized and captured within seconds. 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, once a transaction is **Captured**, its payment status is final except in rare cases, and funding status keeps moving after that point. 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. The gap between the two status tracks 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](/guides/pay-in-batches-funding-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. Use this to tell them apart: | Payment status | Funding status | What it means | | ------------------------------------ | ------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Authorized | Pending | Normal. The transaction hasn't been captured yet, so funding hasn't started. | | Captured | Pending | Normal. The transaction's batch hasn't closed yet. | | Captured | In Transit or Transferred | Normal. The batch closed and funds are on their way to the merchant's bank account. | | Captured | Funded | Normal. Funding is complete. | | Declined, Voided, Failed, or Blocked | N/A | Normal. There's no successful payment to fund, so funding never starts. For a Declined or Failed transaction, see [Charge again](/guides/pay-in-portal-transactions-charge-again) to retry, or [Response codes](/guides/pay-in-unified-response-codes-reference) for the specific reason. A Blocked transaction has no self-service option — contact support. | | Captured | Exception, ACH Return, or Chargeback | Needs attention. The payment succeeded, but the transfer hit a problem. For Exception, see [Transfer statuses](/guides/pay-in-batches-funding-overview#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](/guides/pay-in-portal-ach-returns-manage). For a Chargeback, see [Respond to a card dispute](/guides/pay-in-portal-card-disputes-respond). | | Captured | Held | Needs attention. Payabli's risk systems paused funding for review — there's no self-service release. See [Batch statuses](/guides/pay-in-batches-funding-overview#batch-statuses), or contact support if it's held longer than expected. | | Captured | Released | Informational. Funding resumed after a risk review. | For the full list of values behind each status, see [Pay In statuses](/guides/pay-in-status-reference). Funding status also determines whether you can void or refund a transaction — see the [Decision guide: Void vs refund](/guides/pay-in-transactions-void-vs-refund-decision). An Exception, ACH Return, Chargeback, or Held funding status doesn't change the payment status. The transaction stays 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](/guides/pay-in-transactions-lifecycle-overview). ## 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](/guides/pay-in-portal-transactions-reports) for how to filter. Through the [Query API](/developers/api-reference/query/get-list-of-transactions-for-an-entrypoint), both fields are returned on the same transaction record: `TransStatus` for payment status and `SettlementStatus` for funding status. ## Related resources See these related resources to help you get the most out of Payabli. #### Prerequisites * **[Pay in transaction lifecycle](/guides/pay-in-transactions-lifecycle-overview)** - Understand the full transaction lifecycle before comparing payment status and funding status #### References * **[Pay In statuses](/guides/pay-in-status-reference)** - Learn about Pay In (money in) statuses * **[Decision guide: Void vs refund](/guides/pay-in-transactions-void-vs-refund-decision)** - Use this guide to help you choose between voiding or refunding a Pay In transaction #### Related topics * **[Manage Pay In transactions (Portal)](/guides/pay-in-portal-transactions-reports)** - Filter and export transaction data, and void, refund, and manage individual transactions in the Payabli Portal * **[Batches overview](/guides/pay-in-batches-funding-overview)** - Understand how a batch and its funds move from open to funded, and what each exception status means * **[Manage ACH returns (Portal)](/guides/pay-in-portal-ach-returns-manage)** - Find, review, and add notes to ACH returns in the ACH Returns report * **[Find and review card disputes (Portal)](/guides/pay-in-portal-card-disputes-find)** - Use the Card Disputes report to find, filter, and review disputes before you respond * **[Respond to a card dispute (Portal)](/guides/pay-in-portal-card-disputes-respond)** - Submit a defense or accept liability for a card dispute before the reply by deadline