THE PAYMENT JOURNEYOne attempt.
One attempt.
One state at a time.
An operation is the purchase session. It can contain several payment attempts, and each transaction keeps its own state.
One operation · One purchaseAttempt 1: DeclinedAttempt 2: AuthorizedTwo attempts, not two purchases. A state change does not create another transaction either.
How the state changes
Start with an approved payment. Then compare what changes when an attempt is declined, cancelled or expires. Select each step or play the journey.Three important distinctions
Cancelled is not the same as reversed
Cancelled is not the same as reversed
Cancelled: the user cancels before authorization. Reversed: an authorized operation is voided during the first day and before settlement. The amount returned takes applicable administrative fees into account.
Declined, invalid and expired mean different things
Declined, invalid and expired mean different things
Declined: the issuer rejected the payment. Invalid: a rule, validation or error prevented it from continuing. Expired: the deadline passed without a customer response, depending on the payment method. None of these attempts was authorized, but the reasons differ.