Source statuses

New mandates are created from sources. Sources have statuses. Once a source is submitted, it creates a mandate.

In LotusPay, a mandate request is known as a source. A source only becomes a mandate if successfully authorised by the customer. Click here to learn more about mandate statuses. You can see source statuses in the dashboard at the top of the details section on the individual source's page.

Sources can be created by forms, import or API.

Sources created in the previous quarter (and therefore their authorisation links too, in the case of emandate_api and emandate_esign) are withdrawn by LotusPay if they are in pending status at the end of the current quarter e.g. sources created up to 31-Dec-2020 found to be in pending status on 31-Mar-2021 are withdrawn by LotusPay on or shortly after 31-Mar-2021. Although old links are automatically blocked in this way, we strongly recommend you to withdraw pending sources as soon as they are no longer required.

Source statuses for API eMandate process

Sources are created in pending status and can be withdrawn. Source for eMandate moves to submitted when customer authorises it. Source for physical mandate moves to pending submission and then to submitted.

Pending

• The source has been created but has not yet been authorised by the customer. Sources in this state can be authorised by the customer visiting the URL. If they experience an eMandate authorisation error, the source refreshes to pending status, the source page and webhook/API response shows the error, and the link remains reusable unless withdrawn. You can differentiate between pending at creation and pending at error because the latter has a value in the response hash. You can also see the number of times the source authorisation link has been attempted by the customer ("auth_attempts").

• Possible previous statuses: None

• Possible next statuses: Submitted, Withdrawn

Submitted

• The customer has submitted authorisation and it has been submitted to the banking system for processing. This creates an active mandate immediately.

• Possible previous statuses: Pending

• Possible next statuses: none

Withdrawn

• The pending source was withdrawn before being submitted. A withdrawn source can not be submitted. You can withdraw the source in order to terminate it. The authorisation URL is deactivated.

• Possible previous statuses: Pending

• Possible next statuses: none

Source statuses for physical mandate process and eSign eMandate process

Sources are created in pending status and can be withdrawn. Source for physical mandate process and eSign eMandate process moves to pending submission and then to submitted or pending. From submitted, it can return to pending.

Pending

• The source has been created but has not yet been authorised by the customer. Physical mandate sources in this stage can be authorised by the merchant uploading a scan image of the paper mandate and processing the source. eSign eMandate sources in this stage can be authorised by the customer visiting the authorisation link. Sources returned to pending also have this status. You can differentiate between pending at creation and pending at returned because the latter has a value in the response hash (an error message).

• Possible previous statuses: Pending Submission

• Possible next statuses: Pending Submission, Withdrawn

Pending Submission

• The authorised source has been received by LotusPay and will be submitted to the sponsor bank at 3 or 4 PM every day based on bank’s cut off time. For physical sources, LotusPay may return the source to Pending if the merchant can correct an error in the paper mandate or its scan image (you'll be notified via email to your operations email address, and the source response will contain the reason e.g. "Image not properly cropped").

• Possible previous statuses: Pending

• Possible next statuses: Submitted, Pending

Submitted

• The customer has submitted authorisation. LotusPay submits the input to the banking system for processing. Within one working day this creates an acknowledged mandate when the UMRN is received, and then you may track the mandate status in subsequent days. The source's mandate field will show nil value or 'EMPTY' until the mandate is created, and then will show the mandate ID. This is usually the same working day evening, but can take longer if there is any technical issue or validation error. If there is a failure in submission/acknowledgement and no problem with the source, it will be automatically resubmitted within a few working days, and then mandate field will change from 'EMPTY' to a mandate ID (unless we have informed you of some longer term issue e.g. technical issues in the sponsor bank). If mandate still shows 'EMPTY' after a few working days, you may contact support for further guidance (you should contact us before creating a new source, to ensure that no duplicate mandate ID is registered). Some submitted sources may return to pending_submission status with 'EMPTY' mandate ID, and LotusPay would review and may resubmit it, withdraw it or return it to pending. Source's mandate field will show 'BANK_REPORT' if we require you to check your sponsor bank's report for mandate creation and status (e.g. if your sponsor bank does not provide us with any mandate acknowledgement data in the required format). Mandate field generally gets updated within one working hour of us receiving the necessary acknowledgement data from your sponsor bank (unless we have informed you of any delay or general process issue).

• Possible previous statuses: Pending Submission

• Possible next statuses: Pending Submission

Withdrawn

• The pending source was withdrawn. A withdrawn source can not be submitted. You can withdraw the source in order to terminate it. Source physical and emandate_esign are automatically marked as withdrawn if your sponsor bank initial-rejects the input (the reason will appear in the source). Source emandate_esign: The authorisation URL is deactivated.

• Possible previous statuses: Pending

• Possible next statuses: none