Payment statuses

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Statuses help you track the journey of your payments and mandates.
From creation to reconciliation, Atlar provides real-time updates so you always know where a payment or mandate stands and can act quickly if needed.

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Overview
This page explains how payments and mandates transition through various statuses in Atlar,
along with typical timings for different payment schemes.
Use these details as guidance, not as a strict state machine.

When you send a payment through Atlar, it moves through a series of statuses—from creation and approval to execution and reconciliation.
The same applies to direct-debit mandates, which must be registered and accepted before collections can occur.

Payment statuses

Payments (both credit transfers and direct debits) follow a clear progression of states.

State	Description
`CREATED`	The payment has been created and is pending approval.
`REJECTED`	The payment has been rejected by the customer.
`APPROVED`	The payment has been approved by the customer.
`PENDING_SUBMISSION`	Atlar is submitting the payment to the bank. It can no longer be edited.
`SENT`	The payment has been sent to the bank.
`PENDING_AT_BANK`	The payment is pending at the bank (e.g. insufficient funds or awaiting a bank-side signature).
`ACCEPTED`	The payment has been received and accepted by the bank.
`EXECUTED`	The payment has been executed by the bank.
`FAILED`	The payment has failed.
`RETURNED`	The payment has been returned by the bank.
`UNKNOWN`	The payment's status is unknown.

Direct-debit mandate statuses

Direct-debit mandates (the agreements that authorize pulling funds) also transition through distinct states.

State	Description
`CREATED`	The mandate is created with `active=false`. How it is sent to the bank depends on the scheme (e.g. AUTOGIRO mandates are sent directly; SDD mandates are sent alongside the first payment).
`PENDING_SUBMISSION`	Atlar is submitting the mandate to the bank. The mandate cannot be edited after this point.
`SENT`	The mandate has been sent to the bank.
`ACCEPTED`	The mandate has been received and accepted by the bank.
`ACTIVE`	The mandate is active—either confirmed by the first reconciled collection or created with `active=true`.
`PENDING_CANCELLATION`	A cancellation request has been issued and will be submitted by Atlar shortly.
`PENDING_CANCELLATION_SUBMISSION`	Atlar is submitting the cancellation of the mandate to the bank.
`CANCELLATION_SENT`	The cancellation request has been sent to the bank.
`FAILED`	The mandate failed to register (due to a bank or Atlar-side error).
`CANCELLED`	The mandate has been cancelled by either you or the counterparty.
`UNKNOWN`	The mandate's status is unknown.