Transaction statuses
At MobilePay, we divide transactions into different statuses to inform both the businesses and the MobilePay users what has happened to the transaction. Some statuses are more self-explanatory than others, so we have provided a description of the different statuses here:
Requested
For MobilePay numbers, this means that the business has ‘requested money’, but the customer has not paid in MobilePay.
Similarly, for online shopping, requested means the business has sent a payment request to the customer that has not yet been processed by the customer.
Declined
For this status to occur, the business must have requested an amount from the customer, which the customer then declined. It could be that the amount was incorrect, or the customer changed their mind.
Reserved
This status appears after the customer has pressed Pay in MobilePay. The money is then reserved on the customer’s account, and in MobilePay, the customer will see that the status is approved. It’s important to note that the money will not be transferred to the business’ account at this stage. Reserved is used in cases where the customer has not yet received what they have purchased, most commonly in online shopping.
A reserved transaction has three possible outcomes:
- It can remain reserved
- It can be captured (see status Sale)
- It can be cancelled
Cancelled
After the customer has pressed Pay and the transaction has a reserved status, the business can choose to cancel the payment. This means the reservation is deleted from the customer’s account, and the business will no longer be able to charge the customer unless the customer approves the transaction again in MobilePay.
Sale
A transaction does not have to go through all the steps mentioned above. Most payments with MobilePay number go directly from registered to sale, which means your customer has been charged on their account and the money is paid out to your settlement account. If the transaction is reserved, the business can capture the transaction so that it gets sale status.
Sale is also referred to as ‘capture’ in the documentation for MobilePay online.
Refund
A refunded transaction is a sale that has been returned to the customer. In other words, the customer was first charged on their account, after which the business has refunded either the full or a partial amount.
It’s important to note that you can only refund money for transactions made within the last 364 days. The refunded amount will be deducted from your next settlement. If your next settlement is negative due to the refunded amount and you do not receive additional funds from your sales unit, you will receive an invoice for the negative amount.
In addition to processing the refunds via the business portal, you can also refund money directly through your company’s system using the API. We recommend doing this if you are using one of our integrated solutions like online payments or a cash register system. This allows you to automate the refund process and integrate is seamlessly with your business process.