ACH Debit transaction statuses

ACH debit transactions move through various statuses, and the status is displayed in the dashboard at the top of the details section on the individual transaction page.

Note: ACH debit transactions can only be used on mandates for which LotusPay is not processing payments. This means mandates for which you are receiving direct credit, and LotusPay is not receiving your funds. If LotusPay is the initial creditor of your funds before paying out to you, you should use Payments instead.

Statuses:

Pending

• All transactions start in this status. The transaction has been created but hasn’t yet been submitted to the banking system for processing. The transaction will be automatically submitted at the cut-off time on the charge date. You can still cancel transactions while they are pending.

• Possible previous statuses: None

• Possible next statuses: Submitted, Cancelled

Cancelled

• The transaction was cancelled before the cut-off time on the charge date, or it was rejected by the sponsor bank.

• Possible previous statuses: Pending Submission, Submitted

• Possible next statuses: None

Submitted

• The transaction has been submitted to the sponsor bank for processing, and can no longer be cancelled by the merchant (although it may be cancelled by LotusPay if the sponsor bank denies the input). This happens in batches on the morning of the charge date. The sponsor bank will submit the input batch to NPCI's ACH Debit system. NPCI sends initial acknowledgement to the sponsor bank (which may share it with us). The initial acknowledgement contains rejections (if any) of some or all debits in the batch.

• Possible previous statuses: Pending

• Possible next statuses: Cancelled, Confirmed, Extended, Rejected, Returned

Extended

• The transaction has been postponed by the customer's bank, as they need more time to process it. This occurs in approximately 3% of transactions, and lasts one or two working days.

• Possible previous statuses: Submitted

• Possible next statuses: Confirmed, Returned

Confirmed

• The transaction has been successful. If occurring, this usually occurs on the evening of the charge date (or the extended date).

• Possible previous statuses: Submitted, Extended

• Possible next statuses: None

Rejected

• The transaction was rejected by NPCI. The reason is always stated. If occurring, this occurs on the evening of the charge date. See Payment failures.

• Possible previous statuses: Submitted

• Possible next statuses: None

Returned

• The transaction was declined by the customer's bank. The reason is always stated. If occurring, this usually occurs on the evening of the charge date (or the extended date). See Payment failures.

• Possible previous statuses: Submitted, Extended

• Possible next statuses: None

Charged back

• The transaction was returned to the customer’s bank account in accordance with the NACH Debit Dispute Resolution System.

• Possible previous statuses: Confirmed

• Possible next statuses: None