Transaction Status

This document sets out the changes required for merchants to receive delayed payments when using POLi™ PayID. Delayed payments may arise where certain financial institutions hold up or delay the settlement or processing of transactions for a period of time due to their internal processes. An example is a financial institution holding up the settlement of funds for up to 24 hours for security checks. The intention of this document is for merchants who use POLi™ services and opt to receive delayed payments.

Merchants will receive PayID payments even without executing the below changes to the existing POLi™ Integration but will not be able to receive delayed payments from the relevant financial institutions that has the ability to delay payments.

To enable delayed payments please contact or contact your account manager.

Transaction Status

POLi™ transaction status records the progress of a transaction throughout the payment process.

Each status represents a critical point in the transaction, and each status must be reached before the customer can progress to the next step of the transaction, ultimately completing the transaction.

There are two categories of transaction statuses being Active and Terminal Statuses.

Refer to Transaction Status for more information on these two categories of statuses.

POLi™ has introduced a new Terminal state,+ “PaymentPending” in addition to the existing Terminal status (Cancelled, Failed, ReceiptUnverified, TimedOut, Completed), for financial institutions that hold PayID transfers for 24 hours or more before settling the funds due to security reasons.

Refer to The POLi Nudge for definition of statuses.

Status Description
Payment Pending POLi™ can’t confirm that customer has made the payment because Customer’s financial institution is holding the funds for 24 hours or more due to security processes and checks.