Transactions Lifecycle

Understanding the complete lifecycle of a transaction – from creation to settlement – is essential for effective payment operations. This guide explains all transaction statuses, how monitoring impacts the lifecycle, and the release process for transactions under review.

Payin Statuses (Incoming Transactions)

When you receive payments from customers via Payin, each transaction progresses through the following statuses:

Status	Meaning	What happens next
Created	Charge generated, awaiting payment	Customer must complete payment (PIX, boleto, or credit card)
Paid	Payment confirmed, but not yet credited (common for boleto)	Awaiting settlement window (e.g., D+1 for boleto)
Credited	Amount available for withdrawal	Funds appear in Available Balance
Canceled	Not paid by due date or manually canceled (from “Created” status)	No funds are transferred
Rejected	Credit card payment rejected (fraud, incorrect data, bank rejection)	Customer must use another payment method
Awaiting approval	Credit card payment pending issuer confirmation	Typically resolves within minutes
Confirmed	Credit card payment confirmed by issuer	Moves to settlement (early or flow)
Under Review	Compliance or fraud analysis in progress	Awaiting documentation or analysis completion

Payin flow diagram

Payout Statuses (Outgoing Transactions)

When you send payments to beneficiaries via Payout, each transaction progresses through these statuses:

Status	Meaning	What happens next
Created	Payment initiated, awaiting processing	System validates data and checks balance
Processing	Payment is being processed by WEpayments or banking system	Awaiting execution
Paid	Payment successfully completed	Beneficiary has received funds
Failed	Payment failed (incorrect data, insufficient balance, bank rejection)	Check reason and create new payment
Cancelled	Payment was cancelled before processing	No funds were transferred
Under Review	Compliance or risk analysis in progress	See “Transactions Under Review” section

Payout flow diagram

How does transactional monitoring impact my operation?

Transactional monitoring continuously analyzes all payments in real time. Depending on the risk assessment, a transaction may:

Monitoring outcome	Impact on transaction	Your action required
Auto-approved	Transaction proceeds normally	None – monitor normally
Flagged for review	Status changes to “Under Review”	Submit documentation (see article 6)
Blocked	Transaction rejected immediately	Contact support to understand why
MED notification	Transaction frozen, investigation begins	Provide evidence of transaction legitimacy

💡 Monitoring applies to both Payin and Payout transactions. The goal is to protect your business from fraud and ensure regulatory compliance.

What is the transaction release deadline after sending documents for KYC analysis?

After you submit the required documents for a transaction under review:

Scenario	Typical timeline
Standard review	1–3 business days
Complex review	3–5 business days
MED or regulatory notification	5–10 business days (varies by case)

⚠️ Incomplete documentation or complex cases may extend the timeline. Responding quickly to follow-up requests accelerates the process.

Credit Card installment lifecycle

For credit card transactions with installments (parcelamento), the lifecycle differs based on your settlement model:

Early settlement model (antecipação)

Event	Timing
Customer makes purchase	Day 0
Payment confirmed	Within minutes
Funds credited (early settlement)	D+0 (domestic) or D+1 (international)
Available for withdrawal	Immediately after credit

Flow settlement model (without early settlement)

Installment	When funds are credited
1st installment	D+30 (domestic) or D+31 (international)
2nd installment	D+60 or D+62
3rd installment	D+90 or D+93
…	…
12th installment	D+360 or D+372

💡 You can track future installment receipts in the Dashboard > Statement > Credit Card – Installment Calendar tab.

Complete transaction lifecycle summary

For Payin (receiving money)

For Payout (sending money)

​Payin Statuses (Incoming Transactions)

​Payin flow diagram

​Payout Statuses (Outgoing Transactions)

​Payout flow diagram

​How does transactional monitoring impact my operation?

​What is the transaction release deadline after sending documents for KYC analysis?

​Credit Card installment lifecycle

​Early settlement model (antecipação)

​Flow settlement model (without early settlement)

​Complete transaction lifecycle summary

​For Payin (receiving money)

​For Payout (sending money)