Once a payment charge is captured, the scheme or provider settles the funds to PPRO, with settlement times varying by payment method. Any successful refunds are deducted from the settled amount.

PPRO sends a webhook notification whenever the fund status of a payment charge or refund changes. You can also retrieve the current status at any time using the Get fund status endpoint.

Statuses

Fund status	Description
`CAPTURE_FUNDS_NOT_EXPECTED`	PPRO does not expect to receive funds for this payment charge. This applies to processing-only payment methods.
`CAPTURE_FUNDS_WAITING`	The initial fund status while PPRO awaits settlement of funds.
`CAPTURE_FUNDS_RECEIVED`	PPRO has received the funds.
`CAPTURE_FUNDS_MISSING`	PPRO has not received the funds within the expected timeframe.
`REFUND_FUNDS_NOT_EXPECTED`	PPRO does not expect to send funds for this refund. This applies to processing-only payment methods.
`REFUND_FUNDS_WAITING`	The initial fund status while PPRO awaits settlement confirmation for the refund.
`REFUND_FUNDS_SENT`	PPRO has been notified, via settlement, that the refund funds are on the way to the consumer as the recipient.
`REFUND_FUNDS_REJECTED`	In rare cases, a refund may fail to reach the consumer, for example because their bank account is closed, their wallet is no longer operational, their card has been closed, or the transfer was rejected by the recipient's bank account. When this happens, PPRO notifies you through this webhook. In this case, the funds are returned to your merchant account. As a merchant you will need to arrange an alternative way to refund your consumer outside of PPRO.

State machine

Retrieve fund status

The funds status of a payment charge and any associated refunds can be obtained by calling the fund statuses endpoint.

Request

GET /v1/payment-charges/{paymentChargeId}/funds-statuses

Response

You'll receive both the payment charge and any successful refunds.

[
    {
        "operationId": "capture_k76s1uANLrwDsR3YwLVGE",
        "operationType": "CAPTURE",
        "fundsStatus": "CAPTURE_FUNDS_RECEIVED",
        "merchantPaymentChargeReference": "a2c8f7b1-54de-4d5a-bec7-91fbbd62e3f2"
    },
    {
        "operationId": "refund_wNB1f784W9Qewe0PbZF3g",
        "operationType": "REFUND",
        "fundsStatus": "REFUND_FUNDS_SENT",
        "merchantRefundReference": "fd563b6d-bffe-472e-b206-8d3eefbcdd6f"
    }
]

Settlement risk

Some payment methods carry a risk of non-settlement. This occurs when a payment charge is CAPTURED but the funds fail to settle to PPRO, resulting in a CAPTURE_FUNDS_MISSING status and a loss to the merchant. Although this happens only in a very small percentage of cases, merchants - depending on their risk appetite - may choose to ship goods or provide services only when the fund status is CAPTURE_FUNDS_RECEIVED to eliminate the possibility of missing funds.

Provider confirmation pending

Providers (such as Trustly) can mitigate settlement risk by using the AUTHORIZATION_ASYNC status. In this flow, the payment charge only transitions to CAPTURED after the provider has confirmed receipt of funds.