Transaction types and states

Overview

The OnlinePay dashboard allows you to monitor shopper and merchant activities through various transactions. Each action taken during the payment transaction flow is represented by a transaction type. A transaction status indicates the current stage of a transaction within the transaction flow.

Transaction types

The following table lists the transaction types available in the OnlinePay dashboard:

Transaction Type	Description
AUTHORISATION	A transaction that verifies payment details and reserves the funds to be captured later. The amount transacted in the authorisation cannot be adjusted. This transaction type is also referred to as final authorisation to distinguish it from pre-authorisation.
CANCEL	A technical reversal transaction triggered due to a technical issue or timeout. The goal of this transaction is to ensure the cardholder does not get charged given that the current state of the transaction is unknown.
CAPTURE	A transaction that specifies the amount that will be transferred after the settlement is completed.
CARD VERIFICATION	An authorisation transaction with a zero amount that checks if the customer's card is valid. This transaction does not put any funds on hold.
EXTEND	A transaction which enables the expiry date for a pre-authorisation to be extended. The pre-authorisation can be captured at a later date.
PREAUTH	A pre-authorisation transaction is like an authorisation, with the difference that the final transaction amount can be adjusted.
PREAUTH_COMPLETION	The capture of funds for pre-authorisation has been completed (POS only).
REAUTHORISATION	A re-authorisation of a previous pre-authorisation. This can be made for a new amount but is typically used to extend the expiry date of a Visa pre-authorisation if it is about to expire.
REFUND	A single step transaction which results in a credit amount to the cardholder. Two types of refunds are supported: matched and unmatched.
SALE	A single step transaction that is automatically captured. It combines authorisation and capture transactions and is called a "purchase" transaction.

Transaction types with state

The following table details the most used stages of transaction types used in OnlinePay:

Transaction Type	Transaction State	Description
AUTHORISATION	APPROVED	The transaction has been approved by the bank. The APPROVED transaction status is the same as the AUTHORISED transaction status.
AUTHORISATION	AUTHORISED	The transaction has been authorised by the acquirer.
AUTHORISATION	DECLINED	The transaction has been declined by the card issuer.
AUTHORISATION	EXCEPTION	The authorisation transaction has not been approved due to a technical or operational error that occurred during the authorisation process. This is only available to Alternative Payment Methods (APMs). The authorisation may fail due to server issues, checkout time-out, or other technical issues.
AUTHORISATION	FAILED	The authorisation transaction has been rejected due to an error that occurred during the transaction processing. For APMs, the errors relate to user authorisation details.
AUTHORISATION	INITIATED	The authorisation has been requested by the shopper. Only available for APMs.
CANCEL	APPROVED	The cancellation of the transaction has been approved by us. The APPROVED transaction status is the same as the AUTHORISED transaction status.
CANCEL	AUTHORISED	The cancellation of the transaction has been approved by the acquirer.
CANCEL	CANCELLED	The cancellation of the transaction has been declined by the initiator.
CANCEL	DECLINED	The cancellation of the transaction has been declined by the acquirer.
CANCEL	FAILED	The cancel transaction has been rejected due to an error that occurred during the transaction processing. For APMs, the errors relate to user authorisation details.
CARD VERIFICATION	AUTHORISED	The validity of the customer’s card has been successfully verified by the acquirer.
CARD VERIFICATION	DECLINED	The card verification transaction has been rejected by the card issuer.
CARD VERIFICATION	FAILED	The card verification transaction has been rejected due to an error that occurred during the transaction processing.
EXTEND	AUTHORISED	The pre-authorisation expiry date has been extended.
EXTEND	FAILED	The pre-authorisation expiry date could not be extended.
PREAUTH	AUTHORISED	The pre-authorisation has been accepted by the acquirer.
PREAUTH	DECLINED	The transaction has been declined by the card issuer in the pre-authorisation phase.
PREAUTH	FAILED	The pre-authorisation transaction has been rejected due to an error that occurred during the transaction processing.
REAUTHORISATION	AUTHORISED	The transaction has been re-authorised by us (POS only).
REFUND	APPROVED	The refund request has been approved. The APPROVED transaction status is the same as the AUTHORISED transaction status.
REFUND	AUTHORISED	The refund has been authorised by the acquirer.
REFUND	COMPLETED	The refund transaction has been completed. The COMPLETED transaction status is the same as the AUTHORISED transaction status, the former being applied specifically to transactions using cryptocurrencies.
REFUND	DECLINED	The refund request has been declined by the card issuer.
REFUND	FAILED	The refund transaction has been rejected due to an error that occurred during the transaction processing. For APMs, the errors relate to user authorisation details.
REFUND	SETTLED	The refund request has been successfully processed for settlement. As soon as the settlement is finalised, the funds will be transferred.
REFUND	SETTLEMENT_FAILED	The settlement for the refund transaction has not been successful.
SALE	APPROVED	The sale transaction has been approved by us. The APPROVED transaction status is the same as the AUTHORISED transaction status.
SALE	AUTHORISED	The sale transaction has been authorised by the acquirer.
SALE	CANCELLED	The sale transaction has been declined by the initiator. Only used for APMs.
SALE	DECLINED	The sale transaction has been declined by the card issuer.
SALE	EXCEPTION	The sale transaction has not been approved due to a technical or operational error that occurred during the authorisation process. This is only available to APMs. The authorisation may fail due to server issues, checkout time-out, or other technical issues.
SALE	FAILED	The sale transaction has been rejected due to an error that occurred during the transaction processing. For APMs, the errors relate to user authorisation details.
SALE	SETTLED	The sale transaction has been successfully captured for settlement. As soon as the settlement is finalised the funds will be transferred.
SALE	SETTLEMENT_FAILED	The settlement for the sale transaction has not been successful.