Transaction Statuses Workflow

This workflow describes the sequence of possible statuses you can receive when processing a Pay by Bank transaction.

Figure:

Transaction Statuses Workflow
  1. The merchant sends a sale API request to
    Cybersource
     and receives one of these possible statuses:
    • PENDING
      : The sale request is accepted but the customer has not completed checkout. A webhook notification informs you when the customer completes checking out and the sale settles. See Webhook Subscriptions. If you do not receive a webhook notification, send a check status request. See Check Status.
    • REJECT
      : The sale is not successful. Send a new sale request.
  2. The merchant sends a check status API request to
    Cybersource
     to verify the status of the sale and receives one of these statuses:
    • ABANDONED
      : The customer did not complete checkout before the redirect URL expired.
    • COMPLETED
      : The customer completed the checkout process and the sale is currently under review. You can send the check status request in 60-minute intervals to retrieve the current status.
    • PENDING
      : The sale request is accepted but is not complete. You can send the check status request in 60-minute intervals until the status updates.
    • REJECT
      : The sale request is not successful. An unsuccessful request can be due to either Pay by Bank rejecting the transaction or a technical error.
    • SETTLED
      : The sale is complete for the requested amount.
  3. If the customer decides to return the purchase, the merchant sends a refund API request to
    Cybersource
     and receives one of these statuses:
    • PENDING
      : The refund request is accepted and is processing. A webhook notification informs you when the refund is complete. See Webhook Subscriptions. If you do not receive a webhook notification, send a check status request. See Check Status.
    • REJECT
      : The refund request is not successful. Send a new refund request.
  4. The merchant sends a check status API request to
    Cybersource
     to verify the refund status and receives one of these statuses:
    • PENDING
      : The refund request is accepted but is not complete. Continue to request the check status service in 60-minute intervals until the status updates.
    • REFUNDED
      : The settled amount is successfully refunded back to the customer's account.
    • REJECT
      : The refund request is not successful. An unsuccessful request can be due to either Pay by Bank rejecting the transaction or a technical error.