Transaction Flow
Step-by-step transaction processing from payment initiation to final crediting or decline handling.
Transaction Status Reference
Payment Processing Steps
Standard transaction flow from initiation to completion
Payer Opens Payment Link
Payer accesses the unique payment link provided by the recipient or platform.
- Payment link validated for expiration and availability
- Recipient eligibility confirmed
- Payment page rendered with amount and recipient details
Payment Method Selection
Payer selects preferred payment method from available options.
- Card, bank transfer, or alternative payment method
- Payment credentials entered
- Cardholder authentication initiated if required (3DS)
Authorization via PSP/Acquirer
Payment authorization request processed through the acquiring channel.
- Transaction routed to PSP/Acquirer
- Authorization request sent to issuer bank
- Issuer returns authorization decision
Platform Receives Payment Status
Authorization result processed by the platform.
- Webhook or callback received from PSP
- Transaction status recorded in system
- Risk evaluation triggered
Transaction Recording & Crediting
Approved transactions recorded and funds credited to recipient ledger.
- Transaction logged with all relevant metadata
- Recipient internal balance updated
- Confirmation displayed to payer
Failed/Declined Handling
Declined or failed transactions handled appropriately.
- Error displayed to payer with reason (if available)
- No funds credited to recipient
- Transaction logged for audit purposes
Decision Points
Key branching logic during transaction processing
Payment authorized by issuer?
Proceed to platform processing and risk evaluation.
Transaction declined. Payer sees error message. No funds credited.
Transaction passes risk/fraud checks?
Transaction approved. Funds credited to recipient ledger.
Transaction held for review, flagged, or declined based on risk severity.
Recipient verified and eligible?
Funds available for withdrawal. Normal payout processing enabled.
Funds held in ledger. Recipient must complete verification before payout.