Online Payments Lifecycle

Description: Review the Online Payments lifecycle below. 

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Note: For information about SkyTab flow, please visit the SkyTab Transaction Lifecycle article.

Event Status	Description
Risk Approved	The payment was risk approved,  risk models didn’t identify the payment to be fraudulent.
Risk Declined	The payment was declined, risk models identified the payment to be fraudulent.  This is the final status for this payment
Card Verified Approved	Following the risk assessment, new cards will go through card verification for AVS and CVV.  If positive AVS/ CVV data was received, Shift4 will approve the card.
Card Verify Declined	Following the risk assessment, new cards will go through verification for AVS and CVV.  If Negative AVS/ CVV data was received, Shift4 will decline the payment.  This is the final status for this payment.
Auth Approved	The payment is approved by the financial institution, and the Acquirer Response is 00 - Approval.
Auth Declined	The payment was declined by the financial institution, and the Acquirer Response is anything but 00 - Approval. You can see the specific response in the transactions details page. This is the final status for this payment.
Authorization Expired	A payment that is authorized but is not settled or voided for a certain period of time, expires. The time it takes to expire depends on the payment method. When a payment reaches this status, it is no longer possible to send for settlement.  This is the final status for this payment.
Captured	The capture is successful and the payment is ready to be picked up by the batch settlement process.  For some payment methods, the payment has to be captured before it can change status to Sent For Settlement. For other payment methods, the payment is captured automatically after being auth approved.
Sent for Settlement	The transaction has been put into a batch and sent to the acquirer. When a transaction reaches this status, you cannot void it. You can only refund the payment.
Settlement Failed	The settlement failed for the payment from the processor.
Settled	Received confirmation from Acquirer that the batch the transaction is in has been successfully processed.
Voided	You have requested to cancel the request to transfer funds before it was sent for settlement. This is the final status for this payment.
Refund Requested	A refund was requested for this payment.
Refunded	The funds from the payment have been refunded. This is the final status for this payment.
Refund Failed	The refund request has failed.
Notification of Dispute	Shift4 Received a notification of dispute.  The issuer has started a dispute process and Shift4 withdraws the disputed funds from your account. You can accept the chargeback or contest it by supplying defense documents, all through our platform.  This is the final status for this payment.  All other developments related to this chargeback will be recorded under the chargebacks management page.
Retrieval Request	Shift4 received a Retrieval Request.  No funds are moving at this state. You can provide additional information about the charge by supplying documents, all through our platform.  The Retrieval request can become a chargeback in some cases.