Merchants are (as reasonably expected) focussed on when they receive their money. FlipPay advises this via status notifications generated by both payment requests and transactions, depending on the payment option selected by the Customer and how the Introducer or Merchant wants to consume the notifications.
When a "one-off" (e.g. not a recurring payment schedule) payment request is sent with a pay now option enabled, and the Customer elects to pay the requested amount on the card immediately, the payment request will show statuses and generate notifications for each status change, per below.
- “pending”: Payment request is created and available for a Customer to access it, it’s waiting for the Customer to select an option and proceed. Payment requests stay in “pending” until they expire, or are cancelled, or are completed - and will remain in this status after a failed payment attempt (e.g. card declined, invalid card etc), allowing the Customer to retry their payment. Most payment requests are created in this status.
- “expired”: All payment requests expire within 30 days, or a lesser value configured by a Merchant or calling system. When a payment request expires, it is no longer accessible by Customers. Expired payment requests can be resent, or simply ignored.
- “resent”: When an expired payment request is “resent”, Customers can access the original URL again and proceed with a payment option. Resent payment requests can again expire (repeating the loop), or be cancelled by the Merchant, or successfully accessed and activated by a Customer.
- “cancelled”: Merchants can cancel payment requests that have not yet been activated by Customers. Cancelled payment requests cannot be resent as expired payment requests can.
- "complete": When the Customer has successfully paid the entire request amount (plus/including fees).
Practical use cases & interpretations
The following scenarios all assume a payment request enabled with a pay now option, and the Customer has successfully completed the payment.
- When a payment request moves to "complete", FlipPay will pay the Merchant the requested amount (minus fees).
- If a payment request has been successfully created into "pending" status, but changes to it's settings are required, "cancel" the payment request and create a new one. Payment requests are not able to be changed once they are activated or expired or cancelled. While in "pending" or "resent" , payment requests can have files uploaded/deleted.