Withdrawal statuses
Withdrawal processing statuses
You create a withdrawal. Your balance goes down by the withdrawal amount plus fee.
INITIALISED
We might internally review the transaction.
INITIALISED
->REVIEWING
If review goes well it will become pending.
REVIEWING
→PENDING
Otherwise it gets cancelled.
REVIEWING
→CANCELLED
The transaction is sent to the recipient bank for processing.
INITIALISED
→PENDING
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.
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.
The REVIEWING 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 REVIEWING status.
Most common status transitions
Happy path
INITIALISED
→REVIEWING
→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
→REVIEWING
→CANCELLED
Testing/simulating unhappy paths
Typically, you want to adapt your system to handle the following common withdrawal scenarios:
1. Too long in the REVIEWING status
If your withdrawal is in this status this means that we are doing an internal review of it. It happens occasionally when you trigger our monitoring rules. Also, this means that we have sent your Compliance Team (or else) an email message requesting more information. You must respond. In other words, if there is a delay - it's on you. Because Flash Payments delivers all your transactions in real-time 24/7.
You can simulate the behaviour. Your externalReference
must include this text: HALT_AML
. For example: "testing HALT_AML attempt 2"
. The withdrawal will get stuck in REVIEWING
forever.
2. Fails AML and gets cancelled
We checked the data you sent us for withdrawal. We didn't like it. So we cancel it immediately.
You can simulate the behaviour. Your externalReference
must include this text: FAIL_AML
. For example: "testing FAIL_AML attempt 4"
. The withdrawal will be cancelled next moment after you submit it.
3. Recipient bank rejects the money
A common scenario in the Australian domestic payment system involves a transaction that appears successful initially, but is later reversed by the recipient’s bank—sometimes days after processing. This can happen for various reasons, such as an invalid or closed account number, an account in the wrong currency, or other account-related issues.
You can simulate the behaviour. Your externalReference
must include this text: FAIL_ACC
. For example: "testing FAIL_ACC attempt 8"
. The withdrawal will be completed, and next moment failed and refunded.
Last updated
Was this helpful?