Skip to main content

Card Deposits Status

Operator avatar
Written by Operator
Updated over 2 weeks ago

Each card deposit in Tonder moves through a defined set of statuses that reflect the lifecycle of the transaction, from initiation to final resolution.

🟡 Pending

What it means:
The transaction has been created and sent for authorization, but a final response has not yet been received.

Typical scenarios:

  • Waiting for issuer or network response

  • User is completing an additional step (e.g. 3DS challenge)

  • Temporary processing delay

Final? ❌ No
This status can still transition to success, declined, failed, or expired.


🟢 Success

What it means:
The transaction was successfully authorized and confirmed. Funds are captured and will be included in settlement.

Final? ✅ Yes
No further changes will occur.


🔴 Declined

What it means:
The transaction was rejected by the issuer or network due to risk, insufficient funds, invalid data, or other issuer-side rules.

Common reasons:

  • Insufficient funds

  • Card restrictions

  • Issuer risk controls

  • Invalid CVV / expiration date

Final? ✅ Yes
The transaction cannot be retried under the same authorization.


🔴 Failed

What it means:
The transaction could not be completed due to a technical or processing error, not an explicit issuer decline.

Common causes:

  • Acquirer or network error

  • Timeout

  • Invalid request format

  • System connectivity issues

Final? ✅ Yes
A new transaction must be created to retry the payment.


Expired

What it means:
The transaction was not completed within the allowed time window.

Typical scenarios:

  • 3DS challenge not completed on time (Maximum 30 minutes)

Final? ✅ Yes
The transaction is closed and cannot be completed.


✅ Final Statuses Summary

The following statuses indicate a terminal (final) state:

  • Success

  • Declined

  • Failed

  • Expired

Did this answer your question?