# Withdrawal statuses

1. You create a withdrawal. Your **balance goes down** by the withdrawal amount plus fee.\
   `INITIALISED`
   1. We might internally review the transaction.\
      `INITIALISED`-> <mark style="color:orange;">`REVIEWING`</mark>
   2. If review goes well it will become pending.\ <mark style="color:orange;">`REVIEWING`</mark>→ `PENDING`
   3. Otherwise it gets cancelled.\ <mark style="color:orange;">`REVIEWING`</mark>→ `CANCELLED`
2. The transaction is sent to the recipient bank for processing.\
   `INITIALISED` → `PENDING`
3. `PENDING` →
   * `CONFIRMED` - *the recipient bank has the money now*. Does not mean the beneficiary account number was credited though. Mostly ***FINAL status***. Except when bank decides to return the funds, the withdrawal gets refunded (see step 4).
   * `FAILED` - NOT FINAL status. Depending on the processing error we have three scenarios now.
     * `REFUNDED` - see step 4 below.
     * `CANCELLED` - manual action. Your **balance goes up** by the amount, Flash Payments keeps the fee. ***FINAL status.***
     * `PENDING` - rare case - retrying. Sometimes it might work. Go to item 3.
4. The recipient bank decided to return this transaction back to Flash Payments.`CONFIRMED` → `FAILED` → `REFUNDED` - usual way - automatic refunding. Your **balance goes up** by the withdrawal amount, Flash Payments keeps the fee. ***FINAL status***.

{% hint style="warning" %}
The <mark style="color:orange;">REVIEWING</mark> is an **optional** action by Flash Payments Compliance team. Occasionally we pick some transactions for extended AML/CT review. Most transactions do not ever get into the <mark style="color:orange;">REVIEWING</mark> status.
{% endhint %}

### Most common status transitions

#### The happiest path

The payout passed our automated compliance checks and was processed successfully:

`INITIALISED`→`PENDING`→`CONFIRMED`

#### Happy path

The payout was successfully processed after a manual compliance review:

`INITIALISED`→<mark style="color:orange;">`REVIEWING`</mark><mark style="color:orange;">→</mark>`PENDING`→`CONFIRMED`

#### Unhappy paths

Recipient bank accepts the payout but then returns it:

`INITIALISED`→`PENDING`→`CONFIRMED`→`FAILED`→`REFUNDED`

Recipient bank rejects the payout:

`INITIALISED`→`PENDING`→`FAILED`→`REFUNDED`

Flash Payments Compliance team rejects the payout:

`INITIALISED`→<mark style="color:orange;">`REVIEWING`</mark>→`CANCELLED`


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