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Disputes","\u002Ffaq\u002Fregistered-mandates\u002Freturns-and-disputes","0.faq\u002F6.registered-mandates\u002F8.returns-and-disputes",{"title":338,"path":424,"stem":425},"\u002Ffaq\u002Fregistered-mandates\u002Fapi-vs-host-to-host","0.faq\u002F6.registered-mandates\u002F9.api-vs-host-to-host",{"title":427,"path":428,"stem":429,"children":430,"icon":432},"Bank Transfers and PayShap","\u002Ffaq\u002Fbank-transfers","0.faq\u002F7.bank-transfers\u002Findex",[431,433,437,441,445,449,453,457,461,465,469,473,477],{"title":427,"path":428,"stem":429,"icon":432},"i-lucide-landmark",{"title":434,"path":435,"stem":436},"EFT Credit Payments","\u002Ffaq\u002Fbank-transfers\u002Feft-credit-payments","0.faq\u002F7.bank-transfers\u002F1.eft-credit-payments",{"title":438,"path":439,"stem":440},"Proof of Payment","\u002Ffaq\u002Fbank-transfers\u002Fproof-of-payment-and-reconciliation","0.faq\u002F7.bank-transfers\u002F10.proof-of-payment-and-reconciliation",{"title":442,"path":443,"stem":444},"Failed and Returned Transfers","\u002Ffaq\u002Fbank-transfers\u002Ffailed-and-returned-transfers","0.faq\u002F7.bank-transfers\u002F11.failed-and-returned-transfers",{"title":446,"path":447,"stem":448},"Cross-Border and SWIFT","\u002Ffaq\u002Fbank-transfers\u002Fcross-border-payments-and-swift","0.faq\u002F7.bank-transfers\u002F12.cross-border-payments-and-swift",{"title":450,"path":451,"stem":452},"EFT vs RTC vs PayShap vs RTGS","\u002Ffaq\u002Fbank-transfers\u002Feft-vs-rtc-vs-payshap-vs-rtgs","0.faq\u002F7.bank-transfers\u002F2.eft-vs-rtc-vs-payshap-vs-rtgs",{"title":454,"path":455,"stem":456},"Bank Transfer Lifecycle","\u002Ffaq\u002Fbank-transfers\u002Fbank-transfer-lifecycle","0.faq\u002F7.bank-transfers\u002F3.bank-transfer-lifecycle",{"title":458,"path":459,"stem":460},"Real-Time Clearing","\u002Ffaq\u002Fbank-transfers\u002Freal-time-clearing","0.faq\u002F7.bank-transfers\u002F4.real-time-clearing",{"title":462,"path":463,"stem":464},"PayShap","\u002Ffaq\u002Fbank-transfers\u002Fpayshap","0.faq\u002F7.bank-transfers\u002F5.payshap",{"title":466,"path":467,"stem":468},"ShapIDs and Request to Pay","\u002Ffaq\u002Fbank-transfers\u002Fshapids-and-request-to-pay","0.faq\u002F7.bank-transfers\u002F6.shapids-and-request-to-pay",{"title":470,"path":471,"stem":472},"Final and Irrevocable Payments","\u002Ffaq\u002Fbank-transfers\u002Ffinal-and-irrevocable-payments","0.faq\u002F7.bank-transfers\u002F7.final-and-irrevocable-payments",{"title":474,"path":475,"stem":476},"Payouts and Bulk Payments","\u002Ffaq\u002Fbank-transfers\u002Fpayouts-and-bulk-payments","0.faq\u002F7.bank-transfers\u002F8.payouts-and-bulk-payments",{"title":478,"path":479,"stem":480},"Account Verification","\u002Ffaq\u002Fbank-transfers\u002Fbeneficiary-and-account-verification","0.faq\u002F7.bank-transfers\u002F9.beneficiary-and-account-verification",{"title":482,"path":483,"stem":484,"children":485,"icon":487},"Billing","\u002Ffaq\u002Fbilling","0.faq\u002F8.billing\u002Findex",[486,488,492,496,500,504,508,512],{"title":482,"path":483,"stem":484,"icon":487},"i-lucide-receipt",{"title":489,"path":490,"stem":491},"Invoice Payments","\u002Ffaq\u002Fbilling\u002Finvoice-payments","0.faq\u002F8.billing\u002F1.invoice-payments",{"title":493,"path":494,"stem":495},"Subscription Payments","\u002Ffaq\u002Fbilling\u002Fsubscription-payments","0.faq\u002F8.billing\u002F2.subscription-payments",{"title":497,"path":498,"stem":499},"Recurring Card Payments","\u002Ffaq\u002Fbilling\u002Frecurring-card-payments","0.faq\u002F8.billing\u002F3.recurring-card-payments",{"title":501,"path":502,"stem":503},"Instalments and Usage Billing","\u002Ffaq\u002Fbilling\u002Finstalment-and-usage-based-billing","0.faq\u002F8.billing\u002F4.instalment-and-usage-based-billing",{"title":505,"path":506,"stem":507},"Dunning and Recovery","\u002Ffaq\u002Fbilling\u002Fdunning-and-payment-recovery","0.faq\u002F8.billing\u002F5.dunning-and-payment-recovery",{"title":509,"path":510,"stem":511},"Plan Changes and Proration","\u002Ffaq\u002Fbilling\u002Fsubscription-plan-changes","0.faq\u002F8.billing\u002F6.subscription-plan-changes",{"title":513,"path":514,"stem":515},"Backup Cards and Updaters","\u002Ffaq\u002Fbilling\u002Fbackup-cards-and-account-updaters","0.faq\u002F8.billing\u002F7.backup-cards-and-account-updaters",{"title":517,"path":518,"stem":519,"children":520,"icon":522},"Disputes and Compliance","\u002Ffaq\u002Fdisputes-risk-and-compliance","0.faq\u002F9.disputes-risk-and-compliance\u002Findex",[521,523,527,531,535,539,543,547,551,555,559,563,567],{"title":517,"path":518,"stem":519,"icon":522},"i-lucide-scale",{"title":524,"path":525,"stem":526},"Refunds vs Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Frefund-reversal-dispute-chargeback","0.faq\u002F9.disputes-risk-and-compliance\u002F1.refund-reversal-dispute-chargeback",{"title":528,"path":529,"stem":530},"PCI DSS","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpci-dss","0.faq\u002F9.disputes-risk-and-compliance\u002F10.pci-dss",{"title":532,"path":533,"stem":534},"KYC, AML and POPIA","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fkyc-aml-sanctions-and-popia","0.faq\u002F9.disputes-risk-and-compliance\u002F11.kyc-aml-sanctions-and-popia",{"title":536,"path":537,"stem":538},"Incident Response","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-incident-response","0.faq\u002F9.disputes-risk-and-compliance\u002F12.payment-incident-response",{"title":540,"path":541,"stem":542},"Card Chargebacks","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-chargebacks","0.faq\u002F9.disputes-risk-and-compliance\u002F2.card-chargebacks",{"title":544,"path":545,"stem":546},"Chargeback Evidence","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fchargeback-evidence","0.faq\u002F9.disputes-risk-and-compliance\u002F3.chargeback-evidence",{"title":548,"path":549,"stem":550},"Debit Order Disputes","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fdebit-order-disputes","0.faq\u002F9.disputes-risk-and-compliance\u002F4.debit-order-disputes",{"title":552,"path":553,"stem":554},"Payment Fraud","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fpayment-fraud","0.faq\u002F9.disputes-risk-and-compliance\u002F5.payment-fraud",{"title":556,"path":557,"stem":558},"Card Testing and Velocity","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Fcard-testing-and-velocity-checks","0.faq\u002F9.disputes-risk-and-compliance\u002F6.card-testing-and-velocity-checks",{"title":560,"path":561,"stem":562},"Account Takeover","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Faccount-takeover-and-social-engineering","0.faq\u002F9.disputes-risk-and-compliance\u002F7.account-takeover-and-social-engineering",{"title":564,"path":565,"stem":566},"3DS and Fraud Prevention","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002F3ds-and-fraud-prevention","0.faq\u002F9.disputes-risk-and-compliance\u002F8.3ds-and-fraud-prevention",{"title":568,"path":569,"stem":570},"Tokenisation and Encryption","\u002Ffaq\u002Fdisputes-risk-and-compliance\u002Ftokenisation-encryption-and-hashing","0.faq\u002F9.disputes-risk-and-compliance\u002F9.tokenisation-encryption-and-hashing",{"id":572,"title":573,"body":574,"description":800,"extension":801,"links":802,"meta":803,"navigation":804,"path":85,"seo":805,"sitemap":806,"stem":86,"__hash__":807},"docs\u002F0.faq\u002F10.payment-operations\u002F3.asynchronous-payment-statuses.md","Why Are Payment Statuses Asynchronous?",{"type":575,"value":576,"toc":785},"minimark",[577,581,584,589,592,629,633,636,650,656,660,665,668,672,679,683,697,701,712,716,776,779],[578,579,580],"p",{},"Many South African payment outcomes are not known at the moment you submit the transaction. A debit order submitted today may only show its final result days later, a DebiCheck mandate authentication may come back in about two minutes or by end of the next business day, and a batch file only produces its response files on the next processing cycle.",[578,582,583],{},"Systems that assume an instant yes-or-no answer break in production. Designing for asynchronous statuses from the start avoids duplicate collections, misleading customer messages and reconciliation gaps.",[585,586,588],"h2",{"id":587},"why-are-payment-outcomes-delayed","Why are payment outcomes delayed?",[578,590,591],{},"Different rails confirm at different speeds because of how clearing works:",[593,594,595,608,617,623],"ul",{},[596,597,598,602,603,607],"li",{},[599,600,601],"strong",{},"Debit order collections"," are processed in batch cycles. The instruction is accepted for processing first, and unpaids (insufficient funds, closed accounts, disputes) flow back over the following days. See ",[604,605,606],"a",{"href":312},"unpaids, returns and resubmissions",".",[596,609,610,613,614,607],{},[599,611,612],{},"DebiCheck mandate authentication"," depends on the customer. A real-time authentication may complete in about 120 seconds, while a delayed authentication gives the customer until end of the next business day to respond on their banking channel. See ",[604,615,616],{"href":363},"mandate authentication",[596,618,619,622],{},[599,620,621],{},"Batch file submissions"," produce acknowledgement files and then response or unpaid files on a schedule, not per request.",[596,624,625,628],{},[599,626,627],{},"Card payments"," authorise in real time, but settlement, refunds and chargebacks arrive later.",[585,630,632],{"id":631},"what-do-interim-statuses-mean","What do interim statuses mean?",[578,634,635],{},"A well-designed status model distinguishes between interim and final states:",[593,637,638,644],{},[596,639,640,643],{},[599,641,642],{},"Interim statuses"," such as submitted, accepted for processing, pending authentication or in progress mean the outcome is not yet known. The transaction may still succeed or fail.",[596,645,646,649],{},[599,647,648],{},"Final statuses"," such as successful, failed, rejected or disputed mean processing has concluded, although some final states (like a successful collection) can still be reversed later by an unpaid or dispute.",[578,651,652,653,607],{},"Treat an interim status as exactly that: do not release goods, mark invoices as paid or trigger downstream fulfilment on a pending state unless your business model accepts that risk. The general status model is covered in ",[604,654,655],{"href":38},"payment statuses and references",[585,657,659],{"id":658},"how-should-your-system-handle-asynchronous-outcomes","How should your system handle asynchronous outcomes?",[661,662,664],"h3",{"id":663},"store-a-status-per-instruction-not-a-single-flag","Store a status per instruction, not a single flag",[578,666,667],{},"Keep a status history for every payment instruction, with timestamps and the reason code for each change. This supports queries, disputes and reconciliation.",[661,669,671],{"id":670},"consume-updates-from-webhooks-and-files","Consume updates from webhooks and files",[578,673,674,675,678],{},"Final outcomes arrive through ",[604,676,677],{"href":89},"webhooks and callbacks"," or through response and unpaid files. Build your processing around these updates rather than polling alone, and use polling or status queries as a safety net for missed events.",[661,680,682],{"id":681},"design-business-logic-around-state-transitions","Design business logic around state transitions",[593,684,685,688,691],{},[596,686,687],{},"Only act on transitions you have defined, for example pending to successful, or successful to unpaid.",[596,689,690],{},"Handle out-of-order delivery: an unpaid notification might arrive after you have already reconciled the collection as successful.",[596,692,693,694,607],{},"Make handlers idempotent so a repeated notification does not double-process, as explained in ",[604,695,696],{"href":93},"idempotency and duplicates",[661,698,700],{"id":699},"set-expectations-with-customers-and-staff","Set expectations with customers and staff",[593,702,703,706],{},[596,704,705],{},"Show customers a pending state honestly, with an indication of when the outcome will be known.",[596,707,708,709,607],{},"Give operations teams a view of transactions that have been pending longer than expected, so stuck items are investigated rather than discovered at month end. See ",[604,710,711],{"href":97},"retries and stuck payments",[585,713,715],{"id":714},"what-time-frames-should-you-plan-for","What time frames should you plan for?",[717,718,719,732],"table",{},[720,721,722],"thead",{},[723,724,725,729],"tr",{},[726,727,728],"th",{},"Flow",[726,730,731],{},"Typical outcome timing",[733,734,735,744,752,760,768],"tbody",{},[723,736,737,741],{},[738,739,740],"td",{},"Card authorisation",[738,742,743],{},"Real time",[723,745,746,749],{},[738,747,748],{},"DebiCheck real-time authentication",[738,750,751],{},"About 120 seconds",[723,753,754,757],{},[738,755,756],{},"DebiCheck delayed authentication",[738,758,759],{},"Up to end of next business day",[723,761,762,765],{},[738,763,764],{},"Debit order collection result",[738,766,767],{},"Interim on submission; unpaids over the following days",[723,769,770,773],{},[738,771,772],{},"Batch file response files",[738,774,775],{},"On the next processing cycle after cut-off",[578,777,778],{},"Exact windows depend on the bank, stream and cut-off, so confirm them for your integration rather than hard-coding assumptions.",[578,780,781,782,607],{},"Back to the ",[604,783,784],{"href":54},"Payment Operations hub",{"title":786,"searchDepth":787,"depth":788,"links":789},"",1,2,[790,791,792,799],{"id":587,"depth":788,"text":588},{"id":631,"depth":788,"text":632},{"id":658,"depth":788,"text":659,"children":793},[794,796,797,798],{"id":663,"depth":795,"text":664},3,{"id":670,"depth":795,"text":671},{"id":681,"depth":795,"text":682},{"id":699,"depth":795,"text":700},{"id":714,"depth":788,"text":715},"Why many payments confirm later rather than instantly, how pending and interim statuses work, and how to design systems that handle delayed outcomes.","md",null,{},{"title":84},{"title":573,"description":800},{"loc":85},"06WF8XloYVhbbkjM4dajK1Q-t7hjUcR4NWI9y5Kh_CA",[809,811],{"title":80,"path":81,"stem":82,"description":810,"children":-1},"When merchants receive settled funds, how settlement batching and fees work, and why providers hold rolling reserves against refunds and chargebacks.",{"title":88,"path":89,"stem":90,"description":812,"children":-1},"How webhooks and callback APIs deliver payment status updates to your system, how to verify and acknowledge them, and how to handle missed events.",1785156456257]