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
