Statuses in Debitsuccess Systems

Status

Description

OD0

Either account is not overdue or account has just become overdue (the account overdue amount can be used to check this) and not yet got to the point where overdue correspondence would be sent (normally the day after the missed/failed payment)

OD1

The beginning of the overdue reminder cycle. Once the customer misses a payment or a payment is reversed, we reach out to them first through an SMS and then an email. Once the overdue 1 email is sent, the overdue count moves from 0 to 1.

Note: SMS and emails are sent to customers only if outbound overdue correspondence is enabled in our system.

OD2 and OD3

Similar to OD1, for the subsequent missed/reversed payments the customers continue to receive email reminders. Each time the overdue progresses from 1 to 2 to 3.

Status

Description

Active

Accounts are considered active when they do not have a finish date set or the cancel reason is “Prep for debt coll” or “pending write off”. Finish date may be set once an account has paid off the contracted amount or when the account is explicitly closed.

Notes: Suspended Accounts and Payment Stopped accounts are considered as Active as well.

Suspended

When accounts are in suspended status, the accumulation of payments owing will halt.

PaymentStopped

Payments owing will continue to accrue based on payment schedules irrespective of a stop in customer’s payments

Closed

Accounts will be closed after reaching the end of the term or manually closed.

Overdue

Accounts will fall into overdue status after DS failed to collect the amount due from the accounts

Status

Description

Processing

Waiting for a reply.

Authorised

Payment has been authorised and recorded against the Debitsuccess account. 

Declined

Payment has been declined by the Debitsuccess payment services provider.

Requires3ds

The client application must follow the 3DSecure procedure (see below). This is currently not required by the 3^rd party payment gateway, however, this may become a requirement at any time.

StatusRequired

This is a serious error condition that may be returned by the Debitsuccess payment services provider. It is anticipated that it will be an extremely rare case that a client application sees this status. The Debitsuccess payment services provider is unable to return any information about the transaction. This includes whether the transaction is in progress, has been accepted or declined. This is supposed to be a transient condition dependent on the internal state of the Debitsuccess payment services provider‘s infrastructure. The Debitsuccess interface with our payment services provider buffers the StatusRequired status by repeating get status requests over a period of time. Meanwhile, the client application will receive Processing status. Only after retrying a number of times (currently configured as 6 times with 10-second intervals), the Debitsuccess web service will give up and return the StatusRequired status to the client application.

Status

Description

Failed

When in Credit Control state and N amount of days passed (configurable). No payment was received from the customer.

Cleared

When funds were successfully collected (two channels: the bank successfully processed transaction or payment through PayNow).

Settled

When funds were paid out (docket/trans was settled) to the client. This is the final state.

Retry

When collection fails and the Facility Account is enabled for retry.

Status

Description

Pending

Payment schedule has been sent to the payment processor.

Payment was successfully processed by the payment processor

Cleared

If no payment failure notification has been received within x days (1 day for credit card, 3 working days for bank payment) then the payment is assumed to be successful and is set to cleared.

Note: Real-time payments are immediately marked as cleared if they are successful.

Settled

When funds collected for the payment schedule are paid out to the client.

Note: Normally Settled is the final state, but It is possible for a settled payment to then go to a failed state in the case where a late reversal occurs (reversal is notified after the money has been settled).

Payment was reversed by the bank

Retry

When collection fails and the Facility Account/payment type is enabled for retry.

Failed

If retries are not enabled or after 1 retry, if enabled, the payment schedule will be set to failed.

Unbillable

When there is a ‘Payments Stop’ (‘DD stop’) of the customer account and a new pay schedule has been added. This new pay schedule will be set as ‘Unbillable’. This is the final state.

authorized

Successful Transaction

declined

Transaction declined

declined_card_expired

Payment has been declined due to an expired card.

declined_do_not_honour

Do not honour means that the customer's card issuing bank has declined the transaction. This is the most common message provided by card-issuing banks when a transaction fails its authorization process. Ask your customers to contact their bank to check there are no issues with their card.

declined_insufficient_funds

Insufficient funds is an issue that occurs when an account does not have adequate capital to satisfy a payment demand

declined_refer_to_card_issuer

Refer to Issuer. The customer's bank (Card Issuer) has indicated there is a problem with the card number.
The customer should contact their bank or the customer should use an alternate card.

not_submitted

The request could not be submitted due to the Payment gateway issue. Please submit another request.

processing

Payment has been accepted for processing. But the processing has not been completed. The request might or might not eventually be acted upon, as it might be disallowed when processing actually takes place. In this scenario, the client must poll the URL returned in the "location" header of the response to retrieve the payment status code. The client must retry retrieving the status code 5 times within a 2-minute duration. If the status code still is processing after retrying. The client should contact Debitsuccess support.

• Debt Collection

• Facility Closed

• Gym Closed

• Gym Request

• Re Enrollment

• Sent to BBD

• Stopped Billing - Closed

• Pending Write Off

• Cool Off

• Policy Merged

• First Payment Failed

• Facility Request

• Client Request

• PrepFor Debt Col

• Bankruptcy

• Cancellation Fee Paid

• Credit Control

• Data Entry Error

• Death

• Dispute Tribunal

• Duplicate Contract Number

• End of Term

• Left Country

• Medical Certificate

• Paid In Full

• Re Enrolled

• Special Conditions

• Transfer

• Unlistable Debt

• Write Off

• Primary Account Closed

Status

Description

Manual Payment Stop

Any scenario where the:

• Customer revokes our authority to debit his/her account via phone or through the bank

• Chargebacks

Charge Back

Customer asked for a chargeback. And requires investigation of finance/retention team.

Invalid Account

Errors coming from the bank:

• No Authority

• Account Closed

• Authority Stopped

• Invalid Account Declined

• Card Expired

• Restricted Card

• Lost Or Stolen Card

Activated by Suspension

Customer asked for suspension of the account for a certain period of time.

Bulk Suspension

Accounts of a business were bulk suspended.

Batch Collection Attempts To Clear Limit Exceeded

• Collection failed on the account for more than the Batch collection attempt limit set up in our system with insufficient funds reason from the bank.

• The pay schedule frequency is weekly.

• Account Closed

• Authority Stopped

• Card Expired

• Chargeback

• Declined

• Insufficient Funds

• Invalid Account

• Lost / Stolen Card

• No Authority

• No Error

• Restricted Card