Important Terminologies

There are a few terminologies within Card Acceptance that you should familiarize yourself with below

Card Registration Statuses

1. IN_PROGRESS
   1. This indicates that the binding flow has been initiated but user has not submitted their card details successfully, and thus has not reached the 3DS verification step
2. VERIFICATION_PENDING
   1. This indicates that the user has submitted their card details successfully, and is now at the authentication step (i.e. 3DS verification step)
3. AUTHORIZATION_PENDING
   1. This indicates that the user has been authenticated successfully, and is now at the authorization step (i.e. pre-auth) to ensure that their card is valid for transactions (has balance, not expired, not blocked, etc)
4. SUCCESS
   1. This indicates definitive successful tokenization of the user's card details
5. FAIL
   1. This status indicates definite binding failure to tokenize the user's card details. You should initiate another card registration attempt if you would like to try again
6. UNBINDED
   1. This status indicates that a card token binded to a user has been unbinded. The card token will no longer be usable for transaction. This status will only be returned as an API response for the Unbinding API flow

Transaction Types

1. PAY
   1. This refers to a direct payment charge, whereby the user's balance is immediately deducted
   2. Sample use case: E-commerce checkout flow
2. AUTH
   1. This refers to an authorization charge, whereby the user's balance is not yet deducted but put on hold temporarily
   2. Sample use case: Hotel business
3. CAPTURE
   1. This refers to a capture charge, whereby a user's previously authorized amount is deducted from their balance
   2. Sample use case: Hotel business

Transaction Statuses

1. SUCCESS
   1. This indicates definitive transaction success from the bank
2. PENDING
   1. This indicates that the transaction is still awaiting a final state from the bank
3. FAILED
   1. This status indicates definite transaction failure from the bank
4. CANCELED
   1. [Only applicable for authorized transactions] This status indicates that a previously authorized transaction has been voided without any successful capture

Settlement Statuses

1. SETTLED
   1. This is the default settlement status pairing a successful transaction
2. PARTIALLY_REFUNDED
   1. This indicates that a previously successful transaction has been partially refunded by merchant request
3. REFUNDED
   1. This indicates that a previously successful transaction has been refunded by merchant request
4. CHARGEBACK
   1. This indicates that a previously successful transaction has been refunded due to a chargeback