In the payment process, Bridge acts as the payment order initiator with the issuing bank. This means that all payment-related information (recipient IBAN, amount, description, references, etc.) is transmitted to your bank so that it can initiate the transfer.
When initiating a bank payment, you create a payment link from your dashboard or via API. Your client completes this link, which automatically generates a payment request. A payment request corresponds to an attempt to process the payment via the payment link you created. Each payment link can result in multiple requests if the client has not completed their previous attempts.
The bank assigns a status to this request. Several steps separate the creation of this request from a successful payment, and each step is associated with a specific status provided by the bank. Here is a guide to understanding these statuses:
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Payment Creation: When you submit a payment, two statuses need to be considered:
- CREA: The payment is created on our platform.
- ACTC: The payment request is accepted and sent to the bank.
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Payment Initiation and Processing: The execution process begins with the status:
- PDNG: The payment is pending execution. This means the request is being processed by the bank, but the transfer is not yet finalized.
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Successful Payment: If everything goes well, the payment will have the status:
- ACSC: The payment has been successfully executed. The funds have been transferred to the beneficiary, and no further action is required.
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Payment Rejected: In some cases, a payment may be rejected for various reasons, such as incorrect information or account issues. In these cases, the following statuses may appear:
- RJCT: The payment was rejected by the bank. Reasons may include insufficient funds, incorrect information, or other technical errors. It is necessary to verify the details and potentially contact your bank or our customer service for further assistance.
Other complementary status explaining the reason for a rejected payment
There are other statuses provided by the bank that help identify the reason for a rejected payment:
- NOAS: The user has neither accepted nor rejected the payment request, and a waiting period has expired.
- CUST: The rejection is due to the debtor: refusal or lack of funds.
- AG01: Operations prohibited on this type of account.
- FRAD: The transaction is suspected of fraud and therefore blocked by the bank for security reasons.
These rejections appear under the RJCT status. You can find the full list of statuses provided by the bank for a rejected payment right here.
How to react according to the status
- If the status is CREA or ACTC, your payment is being prepared, and there is no need to worry.
- If you see PDNG, it means your bank is still processing the payment. Be patient and monitor the progress.
- If the status is ACSC, everything is in order, and the transaction is complete.
- In case of RJCT or another issue, check the payment details and contact us or your bank for assistance.
It is important to note that some banks, such as LCL, do not provide an execution status. For these banks, the status flow stops at “PDNG,” and the ACSC status is not used. If this is incompatible with your needs, you can choose to exclude these banks from the Pay by Link feature in the customization module.
For more details, you can refer to the Bridge documentation 📖.