Transaction status

All transactions proceed through various stages depending on the action taken. Use the information provided here to get a better understanding of the available transaction statuses, their corresponding lifecycles, and their associated status codes. This information can help you troubleshoot issues and better respond to customer inquiries.

Capture and deposit transactions

The following diagram illustrates the workflow for capture and deposit transactions.

Refund and reclaim transactions

The following diagram illustrates the workflow for refund and reclaim transactions.

Transaction status values

The following table lists the available transaction statuses.

Status	Description
New	The initial status after the transaction is created but before the consumer selects a financial institution. Transactions in the New state are only visible with Notification or the API status operations, not through the Merchant Portal.
Pending	The consumer has the Payment Lightbox open but has not yet authorized the transaction. Transactions in the Pending state are only visible with Notification or the API status operations, not through the Merchant Portal.
Authorized	Payment was authorized by the consumer (they selected their account and clicked ‘Pay’), but the ACH has not yet been submitted for processing.
Processed	The transaction was processed. The ACH debit has been submitted to the ACH network after consumer authorization.
Completed	The transaction was successfully paid, and funds were transferred.
Failed	An internal failure of the transaction occurred (unrelated to the merchant).
Expired	The pending transaction timed out before the consumer authorized the payment with the Payment Lightbox.
Canceled	The transaction was canceled by the consumer by closing the Payment Lightbox or canceling from the Lightbox prior to authorization.
Denied	The money transfer was denied, and the transaction was not debited or credited to the customer account.
Reversed	The payment was reversed (by the bank or Trustly).
Partially Refunded	The payment was partially refunded.
Refunded	The payment was fully refunded.
Voided	The Authorization was voided by the merchant. This occurs when the `cancel` API is invoked or the transaction is canceled in the Merchant Portal (this must happen before the transaction moves to Processed status).
OnHold	A transaction is placed on hold after authorization if something prevents the normal flow (e.g., an ACH debit could not be initiated, or Trustly requires the merchant to approve the transaction amount). The payment may take longer to process than usual. Note: You can verify an OnHold transaction through the Merchant Portal to resume the normal payment processing flow. There is currently no equivalent API method.

Status codes

Each transaction status also has a specific transaction code that provides more detail.

Software (SW) Codes

These statuses are related to errors found during validation processes, including risk and validation errors, before the transaction is sent to the Originating Depository Financial Institution (ODFI).

Status Code	Description
SW010	Established
SW013	Canceled
SW020	Authorization received
SW021	Authorization declined due to insufficient funds
SW051	Merchant error
SW052	Financial Institution error
SW053	Internal network error
SW054	Suspicious transaction activity
SW055	Negative data
SW056	Invalid account
SW057	Expired split token
SW059	Instant transaction rejected due to risk
SW060	Bank or network processor is unavailable

User Canceled (UC) Codes

These statuses are related to user cancellation. Each code defines the point during the user interaction where the cancellation occurred.

Status Code	Description
UC01	User canceled at bank selection page
UC02	User canceled at login page
UC03	User canceled at invalid login page
UC04	User canceled at challenge question page
UC05	User canceled at invalid answers for challenge questions page
UC06	User canceled at MFA page
UC07	User canceled at invalid MFA page
UC08	User canceled at account selection page
UC09	User canceled at error page
UC10	User canceled at partial account number page
UC11	User canceled at select account location page
UC12	User canceled because the bank was not on the list
UC13	User canceled at login with captcha page
UC14	User canceled at captcha validation page
UC15	User canceled at manual account input page
UC16	User canceled at manual account confirmation page
UC17	User canceled at MCD confirmation page
UC18	User canceled at MCD validation page
UC19	User canceled at account profile input page
UC20	User canceled at no dynamic balance page
UC21	User canceled at partial account not supported page
UC22	User canceled at security script page
UC23	User canceled at account not supported page
UC24	User canceled at authorize page with exception
UC25	User canceled at bad account page
UC26	User canceled at the bank’s reset password screen
UC27	User canceled because the bank was unavailable
UC28	User canceled at an external screen
UC29	User canceled due to a timeout
UC30	User canceled on the manual entry screen after an invalid routing or account number entry
UC31	User canceled on the manual entry screen because related information (SWIFT code or address) was not found
UC32	User canceled at the maintenance page
UC33	User canceled at non-eligible currency error page
UC34	User canceled at the Connect to your bank (OAuth login) page
UC35	User canceled at the Waiting for your approval page
UC36	User canceled at VAN info page
UC37	User canceled at widget within Lightbox page

Acknowledged Communication (AC) Codes

These are the main statuses for ACH and RTP transactions. These codes are set when user communication is completed or when the merchant calls the API directly.

Status Code	Description
AC100	AC Pending
AC101	AC Declined
AC102	AC Approved
AC103	AC Error
AC104	AC Voided
AC105	AC Processed
AC106	AC Collected
AC107	AC Awaiting Capture
AC108	AC Awaiting Approval
AC109	AC Suspended
AC110	AC In Collection
AC111	AC In Research
AC112	AC Disputed
AC113	AC Uncollected, Insufficient Funds
AC114	AC Invalid or Closed Account
AC115	AC Other Returns
AC116	AC None
AC117	AC Expired
AC118	AC Settled

System Error (SE) Codes

Status Code	Description
SE01	System in maintenance mode
SE02	System error connecting to API services
SE03	System error connecting to financial services gateway

ACH Return Codes (R)

These statuses map directly to standard ACH return codes.

Status Code	Description
R01 to R84	ACH return codes 01 to 84.

EFT Decline Codes - Canada

Status Code	Description
900	Account information incorrectly entered
901	Insufficient Funds
902	Account not Found
903	Payment Stopped/Recalled
904	Post/Stale Dated
905	Account Closed
907	No Debit Allowed
908	Funds Not Cleared
909	Currency/Account Mismatch
910	Payor/Payee Deceased
911	Account Frozen
912	Invalid/Incorrect Account No
914	Incorrect Payor/Payee Name
915	No Agreement Existed - Business/Personal Refused
916	Not in accordance with Agreement - Personal
917	Agreement Revoked - Personal
918	No Confirmation/Pre-Notification - Personal
919	Not in accordance with Agreement - Business
920	Agreement Revoked - Business
921	No Pre-Notification - Business
922	Customer Initiated Return - Credit Only
990	Institution in Default
996	Chargeback

Trustly Direct Debit (TDD) Codes for the UK

Status Code	Description
ARUCS_0	Invalid details
ARUCS_2	Beneficiary deceased
ARUCS_3	Account transferred
ARUCS_5	No account
ARUCS_B	Account closed
ARUCS_C	Requested by remitter
AWACS_0	Invalid details
AWACS_3	Account transferred
ARUDD_0	Refer to payer (Insufficient funds)
ARUDD_2	Payer deceased
ARUDD_3	Account transferred
ARUDD_4	Advance notice disputed
ARUDD_5	No account (or wrong account type)
ARUDD_6	No instruction
ARUDD_7	Amount differs (disputed amount)
ARUDD_8	Amount not yet due (payment sent before DDI confirmed)
ARUDD_9	Presentation is overdue
ARUDD_A	Service User differs (Details don’t match DDI)
ARUDD_B	Account closed
ADDACS_0	Instruction canceled, refer to Payer
ADDACS_1	Instruction canceled by Payer
ADDACS_2	Payer Deceased
ADDACS_3	Account transferred to new bank
ADDACS_B	Account closed
ADDACS_C	Account transferred to new branch
ADDACS_D	Advance notice disputed
ADDACS_E	Instruction amended
ADDACS_R	Instruction re-instated
AUDDIS_1	Instruction Canceled by Payer
AUDDIS_2	Payer deceased
AUDDIS_3	Account transferred
AUDDIS_5	No Account
AUDDIS_6	No instruction
AUDDIS_C	DDI amount not zero
AUDDIS_F	Invalid account type
AUDDIS_G	PSP will not accept DD on account
AUDDIS_H	Instruction expired
AUDDIS_I	Payer Reference not unique
AUDDIS_K	Instruction canceled by paying PSP
AUDDIS_L	Incorrect payer’s account details
AUDDIS_M	Transaction code/user status incompatible
AUDDIS_N	Transaction not allowed at payer’s branch
AUDDIS_O	Invalid reference
AUDDIS_P	Payer’s name not present
AUDDIS_Q	Service user’s name blank
DDICA_1	Amount differs
DDICA_2	No advance notice received by payer
DDICA_3	DDI canceled by bank
DDICA_4	Payer has canceled DDI with Service User
DDICA_5	No instruction held
DDICA_6	Signature fraudulent
DDICA_7	Claim raised at Service User Request
DDICA_8	Service user name disputed, payer does not recognize