Payment statuses defined

This section contains payment information integral to using Zipalti's Payments Automation Solution. You can view payment statuses, factors that affect the date payment instructions are executed, supported payment methods for each country on the Zipalti Solution, payment provider thresholds, and payment error codes that affect processing of payments.

Payment orders in Zipalti are assigned progressive statuses for transparency in tracking. Statuses display in the Zipalti Hub and appear in APIs, IPNsAn Instant Payment Notification (IPN) is a messaging service that enables you to receive notifications from Zipalti. IPNs are triggered when defined events occur (e.g., updating payee details)., and FTPA file transfer protocol (FTP) is a standard network protocol that you can use to transfer files to Zipalti and receive reports from Zipalti. update reports, unless otherwise indicated.

Payment statuses apply to payment orders in the payment cycle, and are relevant to payers who do not use the Bills module to pay payees.

• New detailed payment statuses will be visible to all users on payment screens in the Zipalti Hub from December 22, 2025. 
• For more details on the new statuses, go to Understanding payment statuses.

Status	Description	Final status?
Canceled	Scheduled payment has been canceled by the payer.	Yes
Cleared	Indicates that the payment has been cleared (i.e., a final approval that the funds have been transferred) For paper checks—a "Paid" status indicates the check has been sent to the payee and a "Cleared" status indicates the check has been cashed by the beneficiary. For Zipalti Card—a "Cleared" status indicates that the payment is settled.	Yes
Deferred	Payment has failed before submission to the payment providers. A deferral reason displays in Zipalti Hub. A notification is sent to the payee indicating the reason for deferral. To receive payments, the payee must fix the issue that caused the deferral to occur. The existing payment order cannot be changed; to pay the payee, another payment order must be submitted. To see the reason for the payment status, check the Alerts field in the Payment details report.	Yes
Deferred (Internal)	Payment has failed before submission due to an error with the payer account. Zipalti fixes the issue on behalf of the payer. No notification is sent to the payee about the deferral. For payments with Zipalti Card, the payment order is re-submitted with the previous payment method. To see the reason for the payment status, check the Alerts field in the Payment details report.	Yes
Paid	The payment provider has processed the transaction and sent the funds to the beneficiary. For Zipalti Card, a "Paid" status indicates that the beneficiary can process the transaction and receive the payment after Zipalti provides the payment details. Note: For more details about Zipalti Card payments, refer to Pay bills by card.	No
Pending funds (or PendingPayerFunds)	Payment has been submitted to Zipalti, but is awaiting sufficient funds in the payer account before the payment can be paid.	No
Rejected	Payment has been rejected by the payment provider.To see the reason for the payment status, check the Alerts field in the Payment details report.	Yes
Scheduled	Payment is scheduled for a future date.	No
Submitted	The payer has submitted the payment order to Zipalti, after which Zipalti will process. Note: If a payment group needs to be approved, this step must be done before Zipalti can process any payment orders in the group.	No
Risk review (or FraudReview)	The payment is under risk review. This status is only relevant if you use the Detect module.	No