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 thealternative payment methodsguide.

Worldpay offers five service levels:

Service LevelDescription
C - levelThe Worldwide Payment Gateway handles the authorisation and capture of your payments. Your acquirer handles settlement and reconciliation.
M - levelThe Worldwide Payment Gateway handles the authorisation, capture, settlement and reconciliation of your payments.
R - levelOperates in the same way as M - level, except the Worldwide Payment Gateway does not store/apply the processing fees. The fees are typically set out in an agreement between merchant, Worldpay and acquirer.
S - levelThe Worldwide Payment Gateway handles the authorisation, capture and reconciliation of your payments. Your acquirer handles the settlement.
A - levelThe 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:

../resources/images/figures/c_level_flow_thumb_350_0.png

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

Note: If a refund was eligible for online authorisation and was refused, the payment can transition from Captured to Refund_Failed.

C - level payment statuses

In (general) order of the flow:

Payment statusDescription
SENT_FOR_AUTHORISATIONWe've requested permission (from the card issuer) to process the shopper's payment.
AUTHORISEDThe payment has been approved and the funds reserved in the shopper's account.
CAPTUREDThe funds reserved against the shopper's account have now been removed, and are travelling to your merchant account.
SETTLED_BY_MERCHANTThe gateway has successfully instructed the acquirer to transfer the funds. Your acquirer will confirm the actual settlement.
REFUSEDThe payment request has been declined by a third party, or by a Worldpay fraud detection service.
ERRORThe payment wasn't completed. Your shopper may want to reattempt it.
CANCELLEDEither you or a Worldpay fraud detection service has stopped the transaction.
EXPIREDThe authorisation period ended before a capture or cancel request was made.
SENT_FOR_REFUNDYou've requested funds to be sent back to the shopper. If online authorisation is applicable, this indicates that the refund was authorised by the card issuer.
REFUND_FAILEDThe refund couldn't be processed and the funds were returned to your account. If online authorisation is applicable, this indicates that the refund was refused by the card issuer.
REFUNDED_BY_MERCHANTThe gateway has successfully instructed the acquirer to process the refund. Your acquirer will confirm the actual refund.

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:

../resources/images/figures/c_level_account_flow_thumb_350_0.png

Journal descriptions

AccountTypeDescription
IN_PROCESS_AUTHORISEDThe balance on this account AUTHORISED by the financial institutions.
IN_PROCESS_CAPTUREDThe balance on this account CAPTURED with the financial institutions on your behalf.

M/R/S - level

M/R/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:

Note: An online refund which is refused by the card issuer will move directly to REFUND_FAILED.

../resources/images/figures/m_level_flow_thumb_350_0.png

Dispute process

This diagram shows the additional payment statuses for disputes:

../resources/images/figures/m_level_dispute_flow_thumb_350_0.png

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/R/S - level payment statuses

In (general) order of the flow:

Payment statusDescription
SENT_FOR_AUTHORISATIONWe've requested permission (from the card issuer) to process the shopper's payment.
AUTHORISEDThe payment has been approved and the funds reserved in the shopper's account.
CAPTUREDThe funds reserved against the shopper's account have now been removed, and are travelling to your Worldpay account.
SETTLEDFunds have been received by Worldpay and are being prepared for transfer to your bank account.
REFUSEDThe payment request has been declined by a third party, or by a Worldpay fraud detection service.
ERRORThe payment wasn't completed. Your shopper may want to reattempt it.
CANCELLEDEither you or a Worldpay fraud detection service have stopped the transaction.
EXPIREDThe authorisation period ended before a capture or cancel request was made.
SENT_FOR_REFUNDYou've requested funds to be sent back to the shopper. If online authorisation is applicable, this indicates that the refund was approved by the card issuer.
REFUND_FAILEDThe refund couldn't be processed and the funds were returned to your account. If online authorisation is applicable, this indicates that the refund was refused by the card issuer.
REFUNDEDA confirmation that the issuer will process the refund and the shopper will receive it.

M/R/S - level dispute payment statuses

In (general) order of the flow:

Payment statusDescription
INFORMATION_REQUESTEDA 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_SUPPLIEDYou've sent us defence information for the dispute.

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

CHARGED_BACKThe funds have been returned to the shopper, following the card issuer's decision.
DISPUTE_EXPIREDThe time frame for the dispute has ended without result.
DISPUTE_RESERVE_RELEASEDThe card issuer has ruled in your favour and the funds have been released.
CHARGEBACK_REVERSEDAdditional defence information has reversed a chargeback decision.

M/R/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:

Note: Needs to include Refund_Failed as an outcome for refused online auth refunds.

../resources/images/figures/m_level_account_flow_thumb_350_0.png

Journal descriptions

AccountTypeDescription
IN_PROCESS_AUTHORISEDThe balance on this account AUTHORISED by the financial institutions.
IN_PROCESS_CAPTUREDThe balance on this account CAPTURED with the financial institutions on your behalf.
SETTLED_BIBIT_NETContains the net amount due to you. The actual amount transferred is the balance of this account adjusted for a DEPOSIT correction.
SETTLED_BIBIT_COMMISSIONContains the financial institution cost, or commission, withheld from the CAPTURED amount at the time of settlement.
DEPOSITThe amount Worldpay holds in deposit for you, kept at a preset level. The Configuration Details page in theMAIshows 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:

../resources/images/figures/a_level_flow_thumb_350_0.png

A - level payment statuses

In (general) order of the flow:

Payment statusDescription
SENT_FOR_AUTHORISATIONWe've requested permission (from the card issuer) to process the shopper's payment.
AUTHORISEDThe payment has been approved and the funds reserved in the shopper's account.
REFUSEDThe payment request has been declined by a third party, or by a Worldpay fraud detection service).
ERRORThe 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:

../resources/images/figures/a_level_account_flow_thumb_350_0.png