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The payment process

How payment statuses flow through our system, and what they mean:

About service levels

The life cycle of your card payments depends on your service level with Worldpay.

This section explains the payment status life cycle for card payments (CARD-SSL) on each service level. To understand other statuses as a result of the alternative payment methods we offer, see the alternative payment methods guide.

Worldpay offers four service levels:

Service Level Description
C - level The Worldwide Payment Gateway handles the authorisation and capture of your payments. Your acquirer handles settlement and reconciliation.
M - level The Worldwide Payment Gateway handles the authorisation, capture, settlement and reconciliation of your payments.
S - level

The Worldwide Payment Gateway handles the authorisation, capture and reconciliation of your payments. Your acquirer handles the settlement.

A - level The Worldwide Payment Gateway handles the authorisation of your payments.

C - level

C - level Payment flow

This diagram shows the typical flow of a payment through possible statuses. The dashed green box represents the life cycle of a successful online payment:

Note:  Due to the complexity of interactions between global systems, payment methods and shoppers, on rare occasions payment statuses flow in a different way.

C - level payment statuses

In (general) order of the flow:

Payment status Description
SENT_FOR_AUTHORISATION

We've requested permission (from the card issuer) to process the shopper's payment.

AUTHORISED

The payment has been approved and the funds reserved in the shopper's account.

CAPTURED The funds reserved against the shopper's account have now been removed, and are travelling to your merchant account.
SETTLED_BY_MERCHANT

An indication that the funds have been received by the acquirer and are being transferred to your bank account.

REFUSED

The payment request has been declined by a third party, or by the Risk Management Module (RMM).

ERROR

The payment wasn't completed. Your shopper may want to reattempt it.

CANCELLED

Either you or the Risk Management Module (RMM) have stopped the transaction.

EXPIRED

The authorisation period ended before a capture or cancel request was made.

SENT_FOR_REFUND

You've requested funds to be sent back to the shopper.

REFUND_FAILED

The refund couldn't be processed and the funds were returned to your account.

REFUNDED_BY_MERCHANT

An indication that the issuer will process the refund and the shopper will receive it.

C level journal flow

Once payments reach the AUTHORISED status, they are mapped to journals as they move through our system.

Journals are shown in:

This flow shows the interaction between payment statuses and Worldpay's journals. The dashed red box represents the path of a successful online payment:

Journal descriptions

AccountType Description

IN_PROCESS_AUTHORISED

The balance on this account AUTHORISED by the financial institutions.

IN_PROCESS_CAPTURED

The balance on this account CAPTURED with the financial institutions on your behalf.

M/S - level

M/S - level payment flow

This diagram shows the typical flow of a payment through possible statuses. The dashed green box represents the life cycle of a successful online payment:

Dispute process

This diagram shows the additional payment statuses for disputes:

Note:  Due to the complexity of interactions between global systems, payment methods and shoppers, on rare occasions payment statuses flow in a different way. For dispute management statuses, the Worldwide Payment Gateway can only report on a payment status if we receive this information from the acquiring bank.

M/S - level payment statuses

In (general) order of the flow:

Payment status  
SENT_FOR_AUTHORISATION

We've requested permission (from the card issuer) to process the shopper's payment.

AUTHORISED

The payment has been approved and the funds reserved in the shopper's account.

CAPTURED The funds reserved against the shopper's account have now been removed, and are travelling to your Worldpay account.
SETTLED

Funds have been received by Worldpay and are being prepared for transfer to your bank account.

REFUSED

The payment request has been declined by a third party, or by the Risk Management Module (RMM).

ERROR

The payment wasn't completed. Your shopper may want to reattempt it.

CANCELLED

Either you or the Risk Management Module (RMM) have stopped the transaction.

EXPIRED

The authorisation period ended before a capture or cancel request was made.

SENT_FOR_REFUND

You've requested funds to be sent back to the shopper.

REFUND_FAILED

The refund couldn't be processed and the funds were returned to your account.

REFUNDED

An indication that the issuer will process the refund and the shopper will receive it.

M/S - level dispute payment statuses

In (general) order of the flow:

Payment status Description
INFORMATION_REQUESTED

A card issuer has requested information about a transaction. The amount of the disputed transaction has been held until the outcome of the dispute.

Note:  For S - level this status may not be reported to you.

INFORMATION_SUPPLIED

You've sent us defence information for the dispute.

Note:  For S - level this status may not be reported to you.

CHARGED_BACK

The funds have been returned to the shopper, following the card issuer's decision.

DISPUTE_EXPIRED The time frame for the dispute has ended without result.
DISPUTE_RESERVE_RELEASED The card issuer has ruled in your favour and the funds have been released.
CHARGEBACK_REVERSED

Additional defence information has reversed a chargeback decision.

M/S level journal flow

Once payments reach the AUTHORISED status, they are mapped to journals as they move through our system.

Journals are shown in:

This flow shows the interaction between payment statuses and Worldpay's journals. The dashed red box represents the path of a successful online payment:

Journal descriptions

AccountType Description

IN_PROCESS_AUTHORISED

The balance on this account AUTHORISED by the financial institutions.

IN_PROCESS_CAPTURED

The balance on this account CAPTURED with the financial institutions on your behalf.

SETTLED_BIBIT_NET

Contains the net amount due to you. The actual amount transferred is the balance of this account adjusted for a DEPOSIT correction.

SETTLED_BIBIT_COMMISSION

Contains the financial institution cost, or commission, withheld from the CAPTURED amount at the time of settlement.

DEPOSIT

The amount Worldpay holds in deposit for you, kept at a preset level. The Configuration Details page in the MAI shows the required deposit amount.

A - level

For A - level, once a payment reaches AUTHORISED, your interaction with the Worldwide Payment Gateway ends.

A - level payment flow

This diagram shows the typical flow of a payment through possible statuses:

A - level payment statuses

In (general) order of the flow:

Payment status  
SENT_FOR_AUTHORISATION

We've requested permission (from the card issuer) to process the shopper's payment.

AUTHORISED

The payment has been approved and the funds reserved in the shopper's account.

REFUSED

The payment request has been declined by a third party, or by the Risk Management Module (RMM).

ERROR

The payment wasn't completed. Your shopper may want to reattempt it.

A - level journal flow

In the A - level service, an AUTHORISED payment maps only to the IN_PROCESS_AUTHORISED journal, which represents the balance on this account AUTHORISED by the financial institutions. This journal shows in: