Transaction State Model
| CREATED | Transaction initiated by merchant |
| PENDING | Payment process has been initiated, customer is filling in data or payment is in progress in payment channel |
| CANCELLED | Customer has explicitly terminated the payment process – pressed ‘cancel’ button in bank’s payment dialog |
| EXPIRED | Customer has not completed the payment during 30 minutes in PENDING state |
| APPROVED | This state is relevant to to some payment channels only – card payments, Citadele bank-link.
On card payments this means that card data has been already verified, and transaction is waiting now payment. |
| COMPLETED | Transaction has been successfully paid (green light for merchant to deliver goods/services). The funds will be transferred to merchant with next payout |
| PART_REFUNDED | The transaction amount has been partially refunded to the customer |
| REFUNDED | Transaction has been completely refunded |
Refund State Model
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Status
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Description
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Possible transitions
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|---|---|---|
| CREATED | Refund initiated by merchant |
SENT |
| SENT | Refund order sent to bank or processor. Maksekeskus has sent out payment order to respective bank/card network. Respective amount is reserved in Merchant account at Maksekeskus. |
SETTLED |
| SETTLED | Refund order settled by bank or processor. The money has most probably already reached to customer account. |
|
| FAILED | can happen only to refunds made to finnish bank-link payments. See more about complexity of Finnish bank-link refunds Or in case there was technical error while creating the refund at card payment processor |