About Payment
Merchants collect money online from customers via OnionPay
Payment Life Cycle
Following are the various states of payment:
| State | Explanation | Reason |
|---|---|---|
| PENDING | Transaction status not confirmed yet. | 1. The user has not yet paid successfully. 2. The final status is not returned |
| PAID | The payment is paid. | |
| FAILED | The payment failed. | 1.Payment failed 2.Payment collection failed |
| EXPIRED | Payment timeout. | Orders that have not advanced to SUCCESS or FAILED status after 48-hours of creation will enter the EXPIRED status automatically. |
| REFUNDING | The order is being refunded. | |
| PARTIAL_REFUNDED | Part of the payment has been refunded. | |
| REFUNDED | This order was refunded successfully. | The amount is reversed to the customer's account. |
| DISPUTING | Orders that have been paid for, create a dispute order | A dispute is a situation where a customer or the issuing bank questions the validity of payments. |
| CANCELLED | The payment is cancelled. | The user cancelled the order. |
The following state diagram depicts the flow of money through the various payment states:
Orders that have not advanced to SUCCESS or FAILED status after 48-hours of creation will enter the EXPIRED status automatically.
If an order in EXPIRED status receives a successful payment from the bank, the system will creates a refund order and initiates a refund to the bank.
What Causes Expired
Interruptions that prevent a payment gateway from receiving payment status information from the bank are a common cause of expiration. In most cases, payments are interrupted for any of the following reasons:
- Network issues at the customer's end.
- Technical issues at the customer's bank's end.
- Customers close the pop-up window or press the back button after submitting the OTP.